Jeff Garnica started his profession career in the medical device and healthcare industry.  From there, Jeff made the decision to get in to the financial planning business with AXA Advisors.  Jeff then joined Huntington Investment Company and assisted clients of the bank with retirement planning, investments, and estate planning services while working closely with the Trust Department as well.  Given the background in healthcare and financial planning, the Long Term Care business was a great fit and Jeff was recruited to Genworth Financial as a Vice President of Sales for the Great Lakes Region. 

New York Life made a play to recruit the top performers from Genworth and Jeff left to join New York Life as  a Product Consultant for the Long Term Care and Linked Benefit product lines.  His territory consisted of working with over 1000 New York Life agents from Annapolis Maryland to Evansville Indiana.  While an excellent career move and after 4 years on the road, Jeff left New York Life to start a financial planning and insurance brokerage business in the cities of Cincinnati and Dayton Ohio.  The new business is thriving and Jeff is now enjoying the ability to be involved in the community and spend time cultivating relationships with family, friends, and clients.

During 1983, John Richard Hemenway began assisting seniors and their families to successfully

plan, implement and monitor their financial affairs in such a manner as to help increase their income,

reduce their taxes and protect their assets for generations to come.

After serving in the U.S. Air Force and graduating from the University of Texas with a B.S.C.E. with

Honors in Civil Engineering, John held various engineering and management positions in the oil

industry before beginning his financial services career in Washington D.C. in 1983. John is securities

licensed with a Series 7, 24, 26, 63 and 66 in 13 states.

One of John's passions is helping people. He is involved in several civic organizations and is a Past

President of the Heart of Texas Lions Club, the Northwest Austin Sertoma Club, and the Heart of

Texas Sertoma Club. He is especially interested in helping speech and hearing-impaired children

through the Sertoma Hearing Aid Recycling Program in conjunction with the University of Texas and

the Baylor University Audiology Departments. John enjoys community activities such as

the Sertoma Annual Kite Festival, rescuing dogs, and sponsoring college scholarships via several

service organizations.

Eli Saline, CFP®, is an Investment Advisor and OSJ Principal for Saline Wealth Management Group, a Wealth Management and Financial Planning firm founded in 2004. Eli specializes in comprehensive wealth management and is responsible for the supervision of a division with representatives in 3 states and a combined assets under management of over $375 million.

Before joining Saline Wealth Management Group in 2009, Eli obtained dual bachelor’s degrees in Economics, which a concentration in International Economics, and Film Studies from Emory University in Atlanta, GA. Eli currently holds FINRA Series 4, 7, 24, 53, and 66 securities licenses, as well as insurance licenses in NJ and FL for Life, Health, and Variable insurance. Eli is a CERTIFIED FINANCIAL PLANNER™ certificant, as well as a holder of the Certified Financial Fiduciary® designation.

Eli lives with his beautiful wife Megan in Haddon Heights, NJ. Megan is an elementary school teacher in the Haddonfield School District.

• Born and raised in a military family, by the age of twenty-one Valerie had lived in almost a dozen different cities around the world.  She finally made it to Texas where, during the late seventies and eighties, Valerie established successful careers in international marketing for the recreational boating industry in Austin, and later, for the oil-and-steel industry out of Houston. Following the oil-industry slump, she began pursuing  her Master’s Degree in Architecture and began her second career as a licensed architect in the commercial and healthcare industries, including serving for ten years as a Facilities Project Manager for the University of Texas M. D. Anderson Cancer Center in the Texas Medical Center. 

Expanding upon her own experiences during the "Great Recession", Valerie began studying personal finances.  She went on to acquire her  license in life insurance, long term care, tax-deferred annuities, and Medicare-related products. and is now dedicating her time to helping others create their own secure and stable futures through her affiliation with Legacy Protection Assurance, LLC.

Karen Hansen is the President of Wyman & Associates as well as Wyman Financial Solutions and the successor to the company's founder, Larry Wyman. Its main office is in the Seattle/Tacoma area, and for over 35 years, Wyman and Associates has been proud to be the trusted partner for many clients throughout the stages of life. Karen works with individuals and business to help protect their investments, businesses and family interests. Together we cultivate long-term client relationships and offer a vast array of financial services to meet each client's unique needs. Karen is active in the community. She currently is a member of the Scholarship Committee Board of her college sorority. Karen is also on the board  of Washington Business Week, a well-known non-profit organization mentoring high school students in business leadership and teamwork. Along with Washington Business Week, Karen is also on the board of  Renton Technical College Foundation Board.

Glenn Scharf spent nine years at Prudential Securities before realizing that he wanted to create a different kind of financial services company.   Of his time at Prudential, Scharf says that he learned a great deal about how he wanted to service his clients. He describes Prudential’s Philadelphia office as a dynamic working environment, but came away with an understanding that the large-scale corporate model was not suited to his personality, or to the needs of the clients with whom he wanted to do business. He realized that he could provide his clients with more opportunities by moving away from the traditional brokerage houses. “In the large firms, it is virtually impossible to put the client’s needs first,” he explains.   Thus, Scharf Group LLC was born; a company whose organizational model and experienced, dedicated staff are structured first and foremost around best serving their clients.        

Scharf is passionate about what he does, and thrives on conveying that enthusiasm to others. He finds personal inspiration in helping people achieve their financial goals, and notes “When you love what you do, it does not feel like work.” That kind of enthusiasm pays off, as 99% of Scharf Group’s clients come to them by way of referral.   

Scharf also emphasizes the importance of listening to the particulars of each client’s personal situation, and cites client education as a crucial factor in his company’s effectiveness.  “We educate clients about the entire investment process, not just about products and services,” he says. When a client approaches Scharf Group for the first time they are introduced to our team for a discussion of their needs and how the Group’s services can best assist them in reaching their goals. Though this initial consultation is complementary, Scharf is confident about its value. “We need to see if there is a fit,” he explains. “Will the client benefit from us and vice versa? We’re looking for a win-win relationship where we can add value.”   

Scharf Group invests in our clients in many ways including the utilization of unrivaled technological support systems. “We have at our fingertips the most pliable, comprehensive and client specific asset tools that I have ever used,” says Edward Di Pietro, Senior Vice President and Chief Investment Strategist at Scharf Group. Di Pietro has been with Scharf Group since February of 1995 when he also left Prudential Securities to join Scharf Group. “Our technology is consisted with our firms philosophy, it is completely centered on each individual client’s goals and objectives. Unlike many advisors who try to fit their clients into predetermined models, we combine our vast experience with the latest technology to design asset allocation models to each of our clients specific situation.”   

In exchange for their expertise and commitment to service, Scharf asks for the respect and trust of his clients. “The media too often misleads people into thinking that individuals can and should handle their own finances, but this is not always the case,” he points out. “There are many people who simply don’t have the time or resources to do it themselves. This is where we come in.”

Ellis Regini began his financial career in 1986 becoming insurance licensed and then moving on to investments.  His certifications include: Series 6, Series 63,    Series 7, Series 65 and Series 24.  He has been a Registered Principal and a Branch Manager since 1997.  He takes great pride in assuring that his retired clients can sleep well at night knowing that they will not run out of money and are prepared for emergencies. He also finds it rewarding to instill in younger clients the knowledge that will allow them to look forward to financial peace and security in their futures.

J. Mark Case is an investment Advisor Representative with Next Financial Group, Inc.

Mark attended the University of South Carolina on an athletic scholarship and was a part of the Sports Medicine program as an athletic trainer for football.  Finishing in 1985, Mark worked in the financial industry until becoming Insurance licensed for Life, Accident and Health in 1988 and Securities licensed in 1991.

Mark holds series 6, 7, 24, 63 and 65 securities licenses, is registered in 22 states and has actively managed insurance products and investment assets for over 30 years.

Mark is the President of CMA Financial Services, Inc., an insurance agency established in 1986 and J. Mark Case Financial Group, a financial consulting firm established in 2019 both are domiciled in Lexington South Carolina.

In 2018, Mark became a Certified Financial Fiduciary (CFF) and a member of the National Association of Financial Fiduciaries (NACFF).

In his practice, Mark’s goal is to use holistic planning that considers all aspects and factors that could impact the plan and the lives of his clients.  This approach begins with client education and culminates in a plan that not only acts in the client’s best interest but is flexible to life events that may affect his clients.

Outside of his work, Mark enjoys time with his wife, Della, and son, Connor.  He is a member of the University of South Carolina Lettermen's Association and an active member of Mt. Horeb United Methodist Church.  At Mt. Horeb, he volunteers as a Prayer Warrior, fourth grade small group leader and a mentor for disadvantaged children in the Lexington area.

Mark and Della are also involved in Haiti missions with ongoing trips planned to help bring quality healthcare to small outlying villages.  As well as teaching small business practice and principles to aid in the self-reliance of the villagers.

Securities and Investment Advisory Services offered through Next Financial Group, Inc.

Member FINRA/SIPC

CMA Financial Services and J. Mark Case Financial Group are not affiliates of Next Financial Group, Inc

William H. (Bill) O’Donnell owns Heartland Financial Solutions, LLC and serves as its principal Wealth Manager serving clients in the areas of financial planning, investments, insurance, business benefit plans and business retirement plans. Bill entered the profession in 1998 and formed Heartland Financial Solutions, LLC in 2010.  He has served as an arbitrator for the Financial Industry Regulatory Authority (FINRA) since 2002.

 Bill has lived in Bellevue since 1983, concurrent with his assignment to Strategic Air Command headquarters. Bill retired from the US Air Force in 1993 as a lieutenant colonel and continiues his service as Post Commander of VFW Post 10785 in Bellvue. He's active in Kiwanis International, having served as club president, division lieutenant governor, and Trustee of the District Foundation. 

Jim Lambert, founder of First Choice Consulting, LLC has been helping people plan for their retirement since 2001.

His passion is protecting the assets of his clients and helping them to reach their retirement and income planning goals.

Jim works with CPA’s and other tax professionals finding advanced tax strategies that saves thousands of dollars for their clients. He provides Federal Benefit Workshops throughout CT and RI and has assisted over two thousand Medicare recipients.

As a professional concerned with health, financial, and social issues facing retirees today, Jim has received comprehensive education and training throughout his career.

Jim Lambert was born and raised in Milford, CT. Attended St. Joseph’s High School in 1984 and graduated from Johnson & Wales University in RI, in 1988.

Immediately after graduation, Jim went in the cruise line industry, he worked onboard and met the girl of his dreams, Kerry McGuire Lambert.

Jim and Kerry celebrated their 20th wedding anniversary on a cruise. They are the proud parents of, Mark & Abby. The children are very talented and thrive at performing. His wife is a music teacher at St. Thomas Aquinas in Fairfield, CT.

When Jim’s not working, he enjoys traveling, boating, photography, cooking, sitting by the fire with family & friends, being active at the Knights of Columbus, and has volunteered at the Milford Oyster Festival, Rely for Life & the Duck Race.

Most importantly, Jim Lambert’s mission is to help avoid losing money in the Wall Street Casino, protecting retirement income so clients never worry about running out of money. Jim Lambert serves those in retirement, would like to retire now, and those that have years to go before retirement.