Emanuel Mahand, MSM, CFF, CRC®, CBC™

Registered Investment Advisor/Program Director of Retirement Plans – DE, NJ, NY, PA, and WV

Nationwide Retirement Solutions

Background/Military Career

He was born and raised in Greenville, AL, the eldest of 5 children.  Graduated from Greenville High School in 1988 and immediately joined the US Army as a private.  He served 4 years in the US Army (Active) from 1988 to 1992 at Fort Drum, NY.  He obtained the rank of sergeant, after being promoted in the top percentage of his peer group.  He later joined the US Army Reserves from 1992 to present.  In 2003, he was appointed as a Commissioned Officer in the US Army Reserves.  Major Mahand currently serves as a Logistical Officer for the 78^th Training Division at Fort Dix, NJ.  During his military career, he trained and served in the following locations:  Fort Jackson, SC; Fort Benning, GA; Fort Lee, VA;  Camp Lejeune, NC;  Fort McCoy, WI;  Oversees:  Fort Sherman, Panama ; Sinai, Egypt; El Salvador,  Guantanamo Bay (GTMO), Cuba  and Iraq.  He has been awarded the following awards and decorations (14):  Meritorious Service Medal, Joint Accommodation Medal, Army Accommodation Medal (3), Army Achievement Medal (3), Iraq Campaign Medal, Good Conduct Medal, National Defense Service Medal, Global War on Terrorism Service Medal, Non-Commissioned Officer Professional Development Ribbon, Army Service Ribbon, Overseas Service Ribbon, Army Reserve Component Overseas Training Ribbon, Armed Forces Reserve Medal, Multinational Force and Observers Medal, Army Parachutist Badge. 

Civilian Profession

Emanuel obtained his master’s degree in Management (concentration in Leadership) from The American College.  He has a bachelor’s degree in human resource Mgt. from Troy State University in Montgomery, AL.  After graduating from college, he relocated to Memphis, TN to join American Fidelity Assurance Company as an Account Manager.  In 1999, he joined Nationwide Financial as a Financial Service Representative in Montgomery, AL.  He was promoted to Assistant State Director in 2000; Promoted to State Director of the State of Michigan in 2002; Promoted to Director of Retirement Plans for the State of NY and NJ; served as Program Director of Retirement Plan for Alabama, Mississippi and Louisiana from 2011 – 2013; In July 2014, he was reassigned as Program Director for the State of DE, NJ, NY, PA and WV.  He supervises seven registered representatives with approx. $1.2 billion of assets under management.

Emanuel has represented Nationwide Retirement Solutions throughout the country in conducting retirement workshops for the following organizations:  Alabama Education Association, Alabama State Employees Association, United States Conference of Mayors, New Jersey Conference of Mayors, New Jersey Association of Counties, Professional Firefighters Association of New Jersey, Professional Firefighters of Alabama, Professional Firefighters of Louisiana, National Forum of Black Public Administrators, and NJ State Policemen’s Benevolent Association. 

Emanuel is a passionate public speaker who brings excitement and practical application in helping others to obtain their goals and to live a fulfilled life.   He has served as the keynote speaker at the following events:  Public Schools (Elementary thru High School) in AL, NJ, and PA; class reunions; unions/associations meetings; church events; and military ceremonies.

Education/Licensing:

Master of Science (MS) – Management / Leadership

Bachelor of Science (BS) – Human Resource Management

Associate of Science (AS) – Business Management

Certified Financial Fiduciary

Certified Business Coach, WABC

Certified Retirement Counselor – InFre

Registered Security Licenses (FINRA):  Series 6, 63, 26 and 65

Life and Health Insurance License

Negotiations Training 1 & 2 – BayGroup

T3 Presentation Training

Improv Presentation Training

Gary Siano, RICP® is President and Founder of Guided Wealth Management, LLC. Gary specializes in retirement income planning solutions. He holds the Retirement Income Certified Professional® designation from the American College of Financial Services and is a Certified Financial Fiduciary®. Gary started his career in 1984. 

For 15 years, he worked in the credit union of a Fortune 100 pharmaceutical company. While there, Gary worked with their HR staff to design a Retirement Planning workshop. Gary traveled the country giving workshops to their employees nationwide. After bulding a successful practice for the credit union, Gary started Guided Wealth to bring those same executive retirement planning solutions to the public. Gary is a multi-year award winner of the 5 star Wealth Manager Award. He is also a Christian, a husband, a father, and an avid Philadelphia sports fan. Go Birds! 

David Pierce is Assistant Professor of Insurance & CLU Program Director at The American College of Financial Services. He holds the Charles J. Zimmerman Chair in Life Insurance Education.

He is a 40+ year veteran of the insurance and financial services industry, progressing through the ranks from Agent and Advisor to CEO.

He built successful teams and winning strategies in sales, management, marketing, communication, and leadership throughout the United States, Southeast Asia, India, and New Zealand.

David created the original “Life Insurance Awareness Week” sales campaign. All rights were granted to LIFE HAPPENS and the concept is now recognized as the life insurance industry’s annual “Life Insurance Awareness Month”.

He also led the team that created and launched "The AIA Financial Health Check" in 2005, Southeast Asia’s first-ever Needs Based Selling system, still in use today.

His book Five Pillars of a Tremendous Life was first published in 2009 and was selected by Amway International as a Book of the Month.

David holds a BA degree from American University, a Master of Science in Financial Services and a Master of Science in Management from The American College of Financial Services, and a Master of Arts in Communication from the University of Minnesota.

He earned the AEP designation from the National Association of Estate Planners & Councils, the CLU, ChFC and CLF designations from The American College, and the Certified Financial Fiduciary designation from the National Association of Certified Financial Fiduciaries.

David taught at Middle Tennessee State University as Adjunct Professor of Business and Economics, and at Western Kentucky University as Adjunct Professor of Business and Professional Communication.

Kim M. Fogle is a financial advisor with the NEXT Financial Group, bringing over 25 years of experience in retirement planning, asset preservation, and estate strategies. With a deep commitment to helping individuals and families achieve financial peace of mind, Kim believes the best financial advice is built on trust, empathy, and long-term relationships. 

As a woman in the financial industry, Kim has a heartfelt passion for empowering other women - especially those navigating life's financial crossroads. Whether newly retired, recently widowed, or rebuilding after divorce, Kim provides the clarity, education, and confidence women need to step into their next chapter with strength. Her ability to connect on both a personal and professional level has made her a sought-after advisor among women seeking not only guidance, but a true partner in planning. 

That said, Kim warmly welcomes all clients - men and women alike - who value a thoughtful, personalized approach to their financial journey. Her guiding philosophy is simple: Listen well, plan wisely, and walk alongside clients every step of the way. 

Kim holds the Certified Financial Fiducairy® designation, along with Series 7, 63, and 66 securities licenses, and state insurance licenses. She is a proud graduate of both Penn State University and Saint Francis University. 

Outside of the office, Kim enjoys Yoga, horseback riding, kayaking, and hiking with her husband of over 33 years. She's also a devoted dog and horse mom and the proud mother of two sons who keep her on her toes and her heart full. 

Owen was born and raised in northeastern Pennsylvania, where he currently resides and runs his financial practice.  He has been in the investement advisory business since 1995. Owen is committed to helping his neighbors work toward financial freedom through education and  staying abreast with the latest information in the investment and retirement world. He is a Certified Financial Fiduciary and holds a certificate in Financial Planning from Boston University. 

As the Founder, President and CEO of Transition Advisor Group, a company including Transition Planning Associates, an insurance brokerage firm, June has insurance licenses in Maryland, North Carolina, South Carolina, Pennsylvania, Virginia, and Texas. She and her team have a strong desire to help families establish a plan for their life goals and takes time to truly listen to her clients and understand their individual circumstances. 

June and her team work  with her clients to build, manage and protect their assets through their life's transitions. Her services include retirement income strategies Social Security maximization, final expenses, along with tax minimization strategies to help create prosperity through effective planning.

Scott Raab, a Financial Planner at Coastline Wealth Management, offers comprehensive planning services for individuals. While he has a holistic approach to Financial Planning, he focuses on Investments, Life and Long-Term Care Insurance, Estate Planning & Tax Reduction Strategies. Most importantly, Scott provides the education and tools necessary to develop a financial plan for your lifestyle and to help you reach your long-term life goals. Scott has been a Financial Planner since December of 2000. Scott has been an approved Smart Vestor Pro* through Dave Ramsey Solutions since 2017.

His mission is to help clients navigate the stock market and the ever-changing landscape of investments and planning to their advantage and not be fearful of the unknown.

Scott currently resides in Hanover, PA with his always better half Karen. Scott and Karen have four daughters, Raine, Madison, Molly, and Rylie. In addition to being a Financial Planner, Scott is also a Chef and in his free time, he cooks, rucks, runs and sometimes does OCR's. Most of the time is quality time spent with his family.