With over a decade of experience I have been fortunate to have helped thousands of people from coast to coast become educated on the most relevant retirement planning strategies. My experience has enabled me to make regular ongoing national/local television appearances on all major networks and to be a nationally syndicated published author and contributor.  I make it my priority to deliver beyond my client's expectations by helping them strategize the best solutions based on their needs. My clients have peace of mind, knowing that their families and businesses will be financially sound in the event life throws a catastrophic curve ball. My dedication and passion has enabled me to build a nationally recognized business and for me to be apart of the most pristine association of financial professionals, the Million Dollar Round Table (MDRT). An international organization consisting of the top percent of licensed financial professionals in the United States. As a part of my ever growing financial education I serve as a local Board member for the Society of Financial Services Professionals (FSP). With more than 80 years of history, FSP members are licensed professionals who must have or are actively pursuing a professional credential (designation). My current designations include: CFF-Certified Financial Fiduciary® LACP-Life and Annuity Certified Professional and the NSSA (National Social Security Advisor). Certificate Holder

When I was 14 years old my mother became permanently disabled. She was side swiped by a driver who ran a stop sign. This accident accelerated her degenerative disc disease. Shortly after she was unable to work and we lost our home and had to move 4 hours away to my grandparents house. This was during the DotCom bubble, which led her to lose most of her savings and retirement assets in the stock market crash. The only source of income we had to rely upon was her Social Security Disability Income check. It was not much but it did help us out dramatically.

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Before I established my career in the financial industry I had always wondered, how could a single life event, such as an auto accident, completely alter a family's entire financial world?

The short answer to this, we had no safety nets, no safe money strategies and very little insurance coverage. Why? The archaic financial planning models my family had in place were to put ALL your money into the markets and not to worry it will always grow and be there for you despite ups and downs. Well, financial planning has changed, in the past we did not have unlimited money printing and artificial bubbles.

Shortly after these times, I experienced three grandparents that lived through long term care situations. Not only was it financially draining on our family but it was incredibly emotional. None of my grandparents had any long term care insurance, the financial responsibilities were left to their savings and our family. 

My family had no professional financial experience, we came from mostly a blue collar background. During highschool and college I was working on my father's logging farm in Missouri and during the school year I was working construction and landscaping in California. After my personal family experiences, I decided to switch my college studies from Cultural Anthropology to finance. My journey in the financial services industry started when I was 22 years old.

Over the past decade I have been fortunate to have my mother work with me and together we have helped educate thousands of people on how to protect their hard earned money from life’s surprises.

George’s roots traces back to Finland where his family emigrated from, of which was during a time referred as the “Great Migration” of Finns into North America. His father and his five siblings became the first generation of Finnish Americans.  Although, it was during the toughest time of the “Great Depression”, these men and women did not gripe nor did they stop working regardless of how strenuous the job was. This idea of grit has been coined by the Finnish culture as sisu – a term instilled in George growing up that became the foundation of his personal and professional focus.  This led him to establishing Sisu Wealth Management.  With this mentality, George has spent three decades guiding people in making wise investment choices through an ever-changing economy and ever-changing financial markets.

He believes in a holistic approach to financial planning and wealth management that addresses both sides of his clients’ personal balance sheet and every aspect of their finances.  These services include wealth advisory and wealth conservation strategies, building and maintaining financial and retirement strategies, addressing multi-generational and legacy planning needs; all the while, looking for solutions that are unique to each client’s objectives and aspirations.

George graduated from Baylor University with a degree in Sociology and a minor in Finance.  He is a member of the International Sociology Honor Society.  And for the past 6 years, George has served on the Board of Trustees at Stephen F. Austin State University.  He is also involved in First Christian Church in his hometown of Nacogdoches as well as with the Buckingham Road Church of Christ here in Dallas.  Outside of his profession, he enjoys spending time with his family, golfing, practicing martial arts, and the outdoors.

A lifetime resident of Wichita Falls, Michelle joined Personal Money Planning in 2005, which makes her a veteran of the Financial Services Industry. She started out her career primarily in banking and consumer lending. In 2005 she made the move to Personal Money Planning, where she has been ever since. Her duties here have included everything from Office Manager, Human Resources Manager, Chief Compliance Officer, Managing Director of Operations and more. As of 2018, her list now includes President.

Michelle has received the Chartered Financial Consultant (ChFC®) designation, along with the Chartered Retirement Planning Counselor (CRPC®), Financial Paraplanner Qualified Professional (FPQP™), Certified Financial Fiduciary® (CFF), Certified Credit Counselor (CCC), and Certified Financial Health Counselor (CFHC).  She also holds the Series 65 license which allows her to provide investment management advice as an Investment Advisor Representative. Michelle has also completed her course work in the highly prestigious Certified Financial Planning® certification program, and has also established a well-followed personal finance blog called Fix Your Budget.

As the Chief Compliance Officer, she ensures that management and employees are in compliance with the rules and regulations of regulatory agencies, that company policies and procedures are being followed, and that behavior within the organization meets the company’s Code of Ethics. She is a member of the National Society of Compliance Professionals (NSCP) and the DFW Compliance Professionals.

Being part of the community is important to Michelle as well. She is a Sustainer for the Junior League of Wichita Falls where she has held various leadership positions. She has also served on the boards for Wichita Falls Human Resource Management Association and Associated Business Partners.

Michelle holds a Bachelor’s degree in Occupational Education with a Business specialization from Wayland Baptist University, where she graduated with the highest honors.

Michelle spends hundreds of hours a year studying regulations and laws to maintain her level of expertise in areas of compliance, investment management, personal finance, behavioral finance, consumer finance, and financial planning.

Kraig Carpenter is the Founder and Registered Principal of El Camino Real Financial Advisors.  In 1991, Mr. Carpenter started his professional training with Merrill Lynch & Co.  Kraig has extensive knowledge in financial planning, insurance, investments and retirement. Kraig attended University of California, Davis and studied Business Administration.  He continued his studies at the Donald T Regan School of Economics while at Merrill Lynch & Co.  As the Registered Principal at ECRFA Kraig has passed the FINRA Series 6,7 & 24 and NASAA Series 63, 65 and 66 registrations. Kraig is a licensed California Insurance Broker and is insurance licensed in many other states as well.  Kraig has been in the financial services industry since May 1991.

Lawrence Castillo is President/Owner of L and C Retirement Income Planners and host of Safe Money & Income Radio in Albuquerque, New Mexico. Lawrence has worked in the insurance industry for over 39 years and proved himself as a reliable source of information in all facets of planning for a secure retirement. Serving as a member of the Life Insurance Underwriters, Lawrence excelled in estate planning and retirement income planning. He has taken his knowledge as a Moderator of 10 years and is currently a Retirement & Income Specialist.

Located in Albuquerque, New Mexico, Lawrence has lent his abilities to business owners, pre-retirees, and seniors and helped guide them away from common pitfalls in planning for retirement. He has a passion for helping individuals plan, manage, and protect their assets, and looks forward to each opportunity that allows him to share his knowledge.

Because Zeke Bucci-Torres is passionate about people, he has made his career one of service.  He began by serving in the United States Air Force and then chose a career in the insurance industry in order to assist others navigate the overwhelmingly confusing yet incredibly beneficial world of insurance.   He is adept at listening and ascertaining needs in order to match his clients to the best insurance products for their goals which can range from providing lifetime income for their retirement to leaving a legacy for their loved ones.  Earning many awards, he has been a recognized leader in the industry for over 17 years in Albuquerque, NM where he joyfully resides with his four amazing children and his beautiful wife of 25 years.  Zeke is committed to his family and his values and continues to pursue goals outside of business, including his 2nd degree black belt in Karate.

Kelli owns the firm InsureSolve, PLLC a financial and educational services advisory practice solving retirement and income planning issues. Firm’s a subject matter expert in technical-vocation education consulting. InsureSolve PLLC employs competent, reliable in-house certified instructors teaching High School Financial Literacy coursework. InsureSolve, PLLC’s patented proprietary live and virtual platforms make it an academic staple supporting district educational initiatives with simple, flexible, easy to implement processes.

InsureSolve’s in-house, well vetted certified staff executes and project-manages instructor-led graduation credit unit coursework onsite within school system framework, virtually, or hybrid. The innovative turnkey platform’s regarded a right fit strategy within the educational leadership community.

Kelli is a Senior Associate in Dallas at PwC in Advisory Insurance Operational Transformations delivering excellence in the IFS consulting space analyzing risk and quality measures that govern the industry, quantitative research, advisory operating models, profitability, engagement life cycles, deploying strategic priorities, and go to market initiatives.

Kelli grew up in New Orleans, graduating from the University of New Orleans with a BA in Communications-Media gifted with specialties in Public speaking, Organizational leadership, Consulting, Operations, Change-management, Teaching/Influencing collaborative behaviors and positive outcomes, Galvanizing, Strategic Communication, Curriculum Innovation-Mapping-Engagement, Philanthropy.

Began in banking 29 years ago, acquired financial services/insurance industry licenses in 1999 and has been inspired to live her vision adapting and adjusting to various industry changes in landscape over the years. Led private and corporate enterprises with staffs of many sizes and demographics. Over the last 4 years, charting a course having reconstructed traditional financial services business models and transforming what work-life ecosystems look like has been both rewarding and challenging. Growth in uncertain times happens when we stretch and Kelli’s often humbled by her own strength demonstrating astute competencies, elasticity and capacity at go time. Is timelessly thankful for profitability & impact.

When asked by a reporter did she always see herself in this business, Kelli replied “Yes, was easier than being a ballerina”. “As a child in girl-scouting, ballet class, and candy striping – I knew service, leadership, and business would be likely so “a cause work lifestyle that offers the privileges of flexibility, life quality, earning a great living, substantially impacting lives long term - it’s made the most sense.”

Kelli enjoys introspective moments, innovating, developing, building systems, great conversation, + anything music, cars, golf, yoga, eating, and family centric activities at the park or beach.

Kelli is now proudly a Certified Financial Fiduciary©, CFF, Investment Advisory Representative IAR, focused next to attain CPA designation, consistently ahead of industry trends and pivots in regulation, research and relevance. Kelli was recognized by peers WIFS Women in Financial Services in 2020 and NAIFA peers in 2019 with the Special Member Performance Award where she serves on the Board of Directors with NAIFA-Dallas as Director, Government Relations, and YMCA Chairman’s Circle Board of Managers fundraising annually to achieve targeted goals for the underserved.

Sunil Patel is a well-known national expert in the matters of retirement and tax-free retirement income planning.  For the last 32 years, he has helped people throughout the United State retire safely and securely.  In fact, none of Mr. Patel’s clients have ever lost money in the stock market while working with him.  His clients include self-employed business owners, Physicians,  retirees. 

As a retirement and income planning specialist, he assists his clients to plan for taxes and tax-free retirement, protect their savings, reduces income taxes & taxes on social security benefits, and creates a retirement income that they won't outlive. 

Sunil is a graduate of The University of Stuttgart.  He is a Certified Financial Fiduciary (CFF™) and has pledged to always put the needs of his clients above his own.

Rick Dennis started Conservative Retirement Solutions, LLC in 2004, after he saw the negative impact the “Dot-Com” stock market crash of 2000-2002 had on the retirement savings plans of his fellow Baby Boomers. His goal in starting the company was to offer a safer financial alternative to people who were saving for their retirement, and this remains his main priority today.

Conservative Retirement Solutions, LLC is located in Houston, Texas, and caters exclusively to clients who want "safe, secure and guaranteed" retirements. Our clients a) don't want to risk losing any of their retirement money by placing it in the stock market, and b) don’t want to risk the possibility of “outliving their money.”

We help our clients achieve these results of “no stock market losses” and “guaranteed lifetime income” by only using “safe money” financial products that are “contractually guaranteed” to never lose money during market declines and are issued by “legal reserve” life insurance companies.

Below is a partial list of guaranteed retirement solutions available for our clients:

• Retirement account growth without the risk of loss

• Contractually guaranteed lifetime income

• Tax-free money for Long Term Care expenses

Irma Hampton is a Dynamic Financial Professional. She has an extensive background in financial planning, wealth management, alternative investments, strategic planning, market analysis, and client relations.

With over 30 years of experience across financial services, Irma is currently a hybrid Registered Investment Advisor (RIA), working with Wealthcare Capital Management LLC (WCM) and their goals-driven financial planning software with LPL Financial as her broker-dealer. As a Financial Advisor, she is responsible for working with client's accountants and attorneys,  providing exemplary service in all of the areas that need attention, including retirement planning and legacy planning. She also enjoys working with people who are financial delegators. She holds the designations as CRPC, ADPA, and proudly, a Certified Financial Fiduciary, where she is committed to always do what is in the client’s best interest. In addition, Irma is also Series 7 licensed (and 63,65) as well as licensed to offer life insurance , disability, and long term care insurance.

Along with her professional career, Irma serves as a Yoga Teacher for The Seven Spiritual Laws of Yoga by Deepak Chopra.