Finding a financial professional you can trust is key to achieving a successful retirement.
Certified Financial Fiduciaries® (CFF) are sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. By choosing to work with a Certified Financial Fiduciary® you can be confident that your best interests will always come first!
For over 30 years Ray has provided Financial Planning Services to Executives, Business Owners, Educators, Seniors, and Pre-retirees. Ray has been educating in the financial services industry and providing value to clients as a Financial Advisor; helping them plan for their short-term needs and long-term goals. He is a well-organized individual, able to keep multiple priorities in mind while aiming for the best outcomes for his clients. With his expertise and strong attention to detail, he can recognize small financial inaccuracies, and the most common financial mistakes people often make. He communicates clearly and strategically with his clients about possible changes to their accounts. He is dedicated to the financial wellbeing of his clients listening to their interests and concerns. Through his active listening and analytical skills, he can customize services to suit the needs of clients. Ray takes special care to ensure that he understands the needs of every single client and is always there for his clients. His desire to work closely with his clients led him to become a CFF a prestigious designation that can immediately and clearly demonstrate their expert knowledge.CFF designees are bound by a code of conduct which holds them to the highest standards of professionalism in the financial services industry by putting their client’s best interest first. Today, he has a large clientele who seek his advice regularly regarding: Retirement, Savings, Investments, Tax-Free Retirement, Income Distribution, and Insurance. He is also a skilled tax advisor and keeps abreast of all changes with state and federal tax regulations; working hard to make sure his clients are confident about their choices and are able to make the most for their money.
Jim obtained his Series 7 brokerage license in 1983, and has since continued to guide clients to their Financial goals. Focusing on maximizing retirement income within the risk tolerance of each client requires a clear understanding of income options, portfolio construction, and carefully monitoring of fees and expenses. The attention to detail is the difference between having “a guy” and knowing your finances are secure.
Jim joined Commonwealth Financial Group, LLC. In 2017 for the total independence from brokerage firms/banks requirements to focus on their goals, as well as my clients. This allowed him to focus on why he first found Finance appealing ..…”To work directly with clients to help them generate a better return, reduce taxes on their investments, and ensure known risks are manage or minimized where possible”. Additionally, Jim holds the Series 63 & 65 licenses, his NYS Insurance license and has both an Accounting and Business degrees. These, and extensive professional contacts, enable him to quickly find the best answers to each client’s unique situations.
Jim and his wife Lin make their home in Victor, NY where they enjoy time with friends, boating, golfing, and a wide variety of outdoor activities, usually accompanied by their son, Tyler.
Securities Offered Through Cadaret, Grant & Co., Inc. * Member FINRA/SIPC
CadaretGrant and Commonwealth Financial Group, LLC are separate entities.
Michael has been advising his clients for over 25 years managing, protecting, preserving and insuring their assets. He believes in careful investment planning and well thought out strategies working in a holistic approach, looking at all aspects of your financial life offering advice on a wide array of investment and insurance options to meet your goals.
Michael started his Insurance career in 1990 offering Medicare supplements and Long-term Care insurance. Furthering his education, he moved his focus toward financial planning.
In October of 2000 he started MLA Financial & Insurance Inc. with the goal of helping preserve his client’s assets. Expanding his education even further he is also an Investment Adviser Representative as well as a Certified Financial Fiduciary offering a full array of investment services.
Michael moved in 1983 from Peoria Illinois to Indian Shores, Florida. He and his Wife Debbie live in Spring Hill and enjoy the Florida life style, spending time with family and friends boating/snorkeling/fishing and traveling.
As an Investment Advisor Representative, I am a Fiduciary and I will work in your best interest.
After receiving a Bachelor’s degree in Entrepreneurship and Emerging Enterprises from Syracuse University, George started his career in financial services in New York City before relocating to South Florida in 2013. Currently, he is a Certified Wealth Strategist and Investment Advisor with 16 years’ experience specializing in Retirement Planning.
When not working, George enjoys helping others learn and improve themselves by volunteering for various non-profit organizations. He also enjoys playing tennis, traveling, fishing and scuba diving.
Carol Schmidlin has been practicing financial planning since 1993 and is passionate about helping families with all phases of Wealth Management. She provides detailed investment consulting and guides her clients to make smart decisions about their money. Her wealth management process continues with advanced planning to minimize taxes, enhance cash flow, maximize federal benefits, protect assets, transfer wealth, and help with charitable giving for those inclined.
As a Certified Financial Fiduciary (CFF), and charter member of the National Association of Certified Financial Fiduciaries, Carol Schmidlin adheres to the CFF Code of Conduct and the strict guidelines of the NACFF.She is sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. As a fiduciary, she is required to give you advice that is in your best interest. Carol practices the Duties of Loyalty, Good Faith and Good Care for her clients, educating them first, using a Holistic Approach.Carol holds the Master Registered Financial Consulting Designation (MRFC®) from the International Association of Registered Financial Consultants & is a member of Ed Slott's Master Elite IRA Advisor Group.She is required to attend extensive tax planning training courses as well as pass exams on taxes and financial planning on a bi-annual basis.She regularly provides a variety of benefit and retirement classes throughout the country and has appeared on NBC, CBS, ABC, and FOX affiliates across the country and has also been featured in articles on over 350 websites including CNBC, MSN Money, New Jersey Online (NJ.com), Reuters, MarketWatch and Yahoo Finance.
Carol maintains the Series 65, 7 and 63 licenses along with life and health insurance licensing. She holds a BS degree in Business from Rowan University. Carol’s financial planning practice, Franklin Planning, maintains a home office in Sewell, NJ along with a satellite office in Washington, DC. She and her husband Brett are blessed with three children, and one grandson. Carol can be reached at carol@franklinplanning.com or (856) 401-1101.
I am a Registered Representative and Investment advisor representative of LifeMark Securities Corp. a member of the Financial Industry Regulatory Authority (FINRA).Got into Insurance Sales and Service – Life, Health, Property, Casualty, Disability, Long Term Care, Senior Care, ACA Health started in October 1999 to present.I received my Variable License in February, 2001 and my Series 65 in Aug 2015. In May 2019 achieved my Certified Financial Fiduciary®.I can work with Mutual Funds, IRA, 401(k) and Variable Products. I am affiliated with numerous RIA firms and use their resources to provide working with retirement plans of individuals and/or companies.Individual investment has also been provided through these plans some of which contain a stop-loss function that will keep the value of their plan from dropping more than 10 – 10.5 %.All the investment goes into government bonds and when the market starts recovery the bonds are sold back to the equity investment at a lower price than obtained on the switch to bonds. As the Saying Says:Sell High and Buy Low.
Timothy B. Kenyon co-founded Financial Resources & Retirement Advisory, Inc. in 1992.
Financial Resources focuses on providing retirement and investment plans for members of educational communities and not-for-profit organizations through an innovative approach, which includes using cost-efficient products, and independent partnerships and alliances within the retirement plan marketplace.
A leading advocate for providing investors with complete transparency and no conflicts of interest. As an Independent Advisor, we do not use proprietary products or services.
Tim is among the first independent advisors to introduce Fiduciary Standards of Care to Non-ERISA 403b / 457 participants. That means I work only in the best interests of our clients.
We support significantly reducing advisory fees, eliminating commissions for 403b/457 plan participants, and a potential flat-fee service model. In addition, we have supported providing the benefits of low-cost mutual funds versus variable annuities in 403b/457 plans for 25 years.
We believe that education empowers clients with the knowledge, perspectives and options needed to make informed, productive decisions. That’s why we have extensive experience providing Financial Literacy and Member Benefit Workshops. And we’ve provided service to thousands of individuals and households, at all economic levels.
We know that there is no one "best place" to put your retirement monies. Instead, we work with clients to develop a unique plan for their future, all the while taking into account different tolerances for risk and money needs at different life stages. We make a point of prioritizing our clients’ goals through candid conversations, and written recommendations and plans.
To use a baseball analogy, we encourage a focus on the fundamentals. Try to progress from base to base with the goal of scoring, which, in this case, is achieving the long-term goal. Keep your eye on the ball, don’t swing for home runs. Strive for a solid batting average and always play good defense.
After 27 plus years in the financial industry, our practice has broadened to include world-class wealth managers, retirement, estate and legacy planners. A team of trusted professionals, including attorneys, insurance planners, and CPA’s work with us to coordinate legal and tax strategies.
Financial Resources partners with nationally recognized financial institutions, such as Triad Advisors, a leading Hybrid RIA and independent Broker Dealer and Ladenburg Thalmann, a highly respected financial services firm that provides access to world class wealth managers investment strategists and banking solutions.
Our approach of teaming with strategists who employ a quantitative, rules-based methodology, built on sound academic principles and a disciplined defense of risk, can reduce or eliminate emotional and behavioral investor decisions. We know that managing short-term, emotional decisions is a key for long-term investment success.
Tim has been a member of multiple Advisory Councils, including Brecek & Young, FTJ FundChoice and ASI.
Our Organizational Alliances allow us to give back and support the community.
CFF: As a Certified Financial Fiduciary, and a charter member the National Association of Certified Financial Fiduciaries, I adhere to the CFF Code of Conduct and the strict guidelines of the NACFF and am required to give you advice that is in your best interest, period. Practicing the Duties of Loyalty, Good Faith, Good Care for clients, educating them first, using a Holistic Approach, with full disclosure, comparisons of suggested products, full confidentiality and adhering to strict professional practice management.
NEA: National Ethics Association: By joining the National Ethics Association (NEA) we encourage due diligence of consumers, rather than hiding from it. To view the National Ethics Association Member’s Profile visit www.ethics.net.
AFEA: Chapter President, Somerville NJ, of the American Financial Education Alliance, a non-profit organization dedicated to educating the public on Financial Literacy through complimentary classes held at Universities, Libraries and businesses.
Our company motto says it all. “It’s Not About Money, It’s About Your Future”
Lyle Boss has helped thousands of seniors navigate their financial retirement options for over two decades. With individuals retiring earlier and living longer, retirement income is a major area of concern for maturing Americans. His clients include government employees, teachers, physicians, farmers and business executives to name a few.
Not one of his clients has lost money in a market downturn.
Boss Financial and Insurance Services, LLC, was named one of the most dependable wealth managers in the Rocky Mountain area by Goldline research in the January 12, 2009, issue of Forbes Magazine. Lyle is a member of the National Association of Insurance and Financial Advisors (NAIFA) which protects and promotes the critical role of insurance provided by professional agents and advisors. He is also President of Franklin Institute Retirement & Estate Planning and has been helping his clients with estate planning since 1997.
I established Largo Financial Services Inc. in 2000 with a vision to provide individuals and small business owners with the education and guidance needed to achieve financial freedom. As a wealth strategist and award-winning insurance producer, I believe in helping my clients find money in places they may be throwing it away unknowingly and unnecessarily. I have been featured on nationally syndicated media outlets, including CBS Radio Network, NPR, SiriusXM’s Urban View, WHUR, Clear Channel Radio Network and The Bev Smith Show. Additionally, I am the author of the critically acclaimed Creating Generational Wealth®: What the Super Wealthy Know that You Need to Know.
I believe continued hard work and dedication have earned me widespread recognition and awards. For eight consecutive years, I have been awarded the ACE Award through American Classic Agency. National Life Group has recognized me as a Chairman’s Club Qualifier and Diamond Club member, a significant recognition reserved for the company’s top insurance professionals nationwide. I am also a distinguished member of the exclusive Million Dollar Round Table (MDRT), a global, independent association of more than 43,000 of the world’s leading life insurance and financial services professionals from more than 500 companies in 67 countries. As a leading business figure, I have also been featured in Profile Magazine and Power Broker Magazine as one of the Top 25 Top Wealth Builders and Financial Professionals in the Tampa Bay Area.
With nearly two decades of experience in the financial services industry, I continually study and train to stay current on the principles and trends of personal finance and wealth accumulation. My “common sense”, pragmatic approach when considering financial alternatives stands out among others.
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