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!
Garret Fields is a Certified Financial Fiduciary and is committed to maintaining the highest level of ethical standards in the financial industry. At Nelson Financial Planning he works as a financial planner specializing in helping people understand their cash flow in order to save for retirement. Mr. Fields holds a Series 7 license with FINRA and is also a Registered Representative with Nelson Ivest Brokerage Service.
Prior to joining the firm in 2017, Mr. Fields received his B.S. in Finance from the College of Business at the University of Central Florida.
Mr. Fields is active in the community and is a graduate of the Leadership Winter Park program. This program helps bring awareness and solutions to current issues in our community. He is also a member of the Orlando Young Professionals, which focuses on leadership development.
In his spare time, Mr. Fields loves spending time traveling with his family and friends and has a passion for aviation. He is a member of Aircraft Owners and Pilots Association and earned his private pilot license at the age of 18. He has been an avid aviator ever since!
Kathleen joined Cowan Financial Group in 1989, as an Administrative Assistant to the Chairman and CEO.In 2008, she was elected President and Chief Operating Officer of Cowan Financial Group.Kathleen is also a Senior Advisor in the firm.
Kathleen enjoys working with her clients and believes that you need to take a holistic approach to each client’s specific needs.“Every client does not have the same lifetime goals or visions that they want to accomplish.I believe you need to analyze each client’s specific needs, listen to what they are saying, and design a program that will work for that individual client.You cannot place every person’s financial goals into a single mold, or plan.”
Kathleen is licensed as a General Securities Principal, Municipal Securities Principal, General Securities Representative, and Investment Advisor Representative.In addition, she is licensed to transact Life, Health, Variable Annuity, and Long Term Care classes of insurance.Kathleen has been in the insurance and financial services industry for over 35 years.
Kathleen is a member of The American Society of CLU & ChFC and PACE, and the investment Advisory Committee. She represents Cowan Financial Group in the St. Johns County Chamber of Commerce.
Kathleen is a past Board Member of INK, Investing in Kids, in St. Johns County and a current volunteer for the organization.She is also a past volunteer for the St. Augustine Beach Sea Turtle Patrol.
Kathleen and her husband live in St. Augustine.They are owners of Ace Firearms.Kathleen interests include RVing, target shooting, nature activities, photography and crocheting.
Securities and Investment Advisory services offered through NEXT Financial Group, Inc..Next Financial Group, Inc. is not an affiliate of Cowan Financial Group.
Dan joined Compass Financial team in 2012 and is primarily working with clients throughout the Southeast. His background is in retail sales and understands the importance of exceeding customer expectations. He fully embraces the motto of Compass Financial as he helps clients develop a "Clear Financial Direction" for their future. In his free time, Dan enjoys spending time with his family and serving the community. He is also an active member of Corvette Cruisers of Atlanta, Georgia.
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.
“There is nothing more rewarding to me, than to build a solid financial plan for my client, and then helping them achieve their goals through life’s little ups and downs. I make a point to be available and work side by side helping clients achieve financial security.”
Kyle Addington, CFF® is President, Director of Financial Planning for American Wealth Advisers, PLLC a financial services company specializing in wealth accumulation and retirement income stream planning and has over 20 years of experience as a financial advisor for small business owners and high net worth clients. Mr. Addington specializes in designing, implementing and administering individual and small business retirement plans
Mr. Addington is a Certified Financial Fiduciary®, Registered Representative and Investment Advisor Rep with Independent Financial Group, LLC a Registered Broker-Dealer and brings extensive financial and management experience working with two of the largest Fortune 500 companies during his career and numerous private sector high net worth clients.
Prior to launching American Wealth Advisers, Mr. Addington founded and managed Addington Advisors, LLC an investment firm that specialized in retirement planning for professional athletes, small business owners and their families.
Before working in the securities industry Mr. Addington was a Senior Pricing Analyst for a division of Wal-Mart Stores, Inc. He received a Bachelor’s Degree in Strategic Management from the University of North Texas.
Mr. Addington is very active in the community and supports several local charities. He currently serves as Co-Chair for the Marine Corp Reserves Phoenix/Maricopa County Toys for Tots Foundation and board member of the Litchfield Park Friends of the Rec foundation and is past Treasurer and Rotarian of the Year of the Rotary Club of Litchfield Park. Mr. Addington is a former City Commissioner for the City of Litchfield Park and former President of the Village at Litchfield Park HOA. He and his wife Melissa enjoy traveling, going to sporting events, watching old movies and playing golf any chance they get.
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.
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