Jason Bergquist has worked in the financial services since the year 2000. Building a business, teaching and educating families has become his passion. Jason tried his hand with one of the big financial companies and while working with the Merrill Lynch he realized he missed the lifestyle of going out and meeting with families one on one and helping those that really need the help. Showing people that there are better ways out there and giving someone options to help them accomplish their goals is the most satisfying part of what we do. Being independent truly gives me access to the best products on the market to help people realize they can dream of a better life, especially in retirement. Helping change lives and being able to bring joy and hope back into people’s lives is the most rewarding thing I have ever done. (see testimonials) Sitting down with people and taking all of their puzzle pieces and putting them together to create a beautiful masterpiece and showing them it is possible and they can dream again is such an amazing feeling. I have met so many amazing people in this business and some have become such good friends. I enjoy sitting down with them regularly, at least annually and getting updates on their lives and working with them to accomplish their next goals in life.

Jason lives in Riverton, UT with his wife Stacey and their 5 kids.

Beau Henderson is a retirement planning specialist, a USA Today and Wall Street Journal best-selling author, and the founder and visionary of RichLife Advisors. He has helped more than 3,000 clients to not only improve their relationship with money, but to live their unique definition of a fulfilled, meaningful retirement with purpose. Through his innovative RichLife Retirement Success Strategy™, Beau and his team at RichLife Advisors help families across the United States approaching retirement to properly address the six components a successful retirement:

1. Maximizing income (including Social Security)
2. Optimizing assets for long-term growth
3. Paying less in taxes
4. Planning for healthcare
5. Protecting the people and things that they care about the most and
6. Addressing non-financial considerations to ultimately living their unique definition of a RichLife in retirement

Beau has a passion for financial education—both in serving as a go-to educational resource and continuing his professional development. He has a degree in psychology from the University of Georgia as well as the designations of Retirement Income Certified Professional (RICP®), Certification for Long-Term Care (CLTC®), National Social Security Advisor (NSSA®), Certified Financial Fiduciary, Certified Professional Retirement Coach (CPRC), Certified Bucket Plan Advisor, Master Certified Success Coach and Certified Master Behavioral Analyst. He is also an active member of Ed Slott’s Elite IRA Advisor Group℠—an organization dedicated to the ongoing education and mastery of the latest retirement tax laws. Through a strict commitment to ongoing training as well as access to America’s IRA Experts, Beau stays current on the latest strategies to help clients keep as much of their hard-earned savings from unnecessary taxes as possible.

Beau’s message of the RichLife has been featured in media outlets, including The Huffington Post, The Wall Street Journal, Reuters, CNBC, MarketWatch and as a contributor to Forbes. He is radio host of The Retirement Resource and published author of ten books, including The RichLife - Ten Investments for True Wealth, The RoadMap to a RichLife: Success with Life, Relationships, and Money, Customized Social Security and 12 Steps to a Successful Retirement.

Beau’s passion for helping others organize their finances comes from a deeply personal experience—the loss of his father to lung cancer at the age of 49. He felt helpless as he watched his mother, who had been married to his father since she was 18, struggle with financial decisions and helped her piece her life together. Through his family’s heartbreaking experience, he found a silver lining when he realized that he could make a profound difference in someone’s life by helping them navigate important financial decisions. His interest in psychology, coupled with his newfound interest in financial matters, led him to a career he loves. Now, more than 20 years later, he has never stopped learning and growing through his work and helping others create a Retirement by Design.

Beau is an avid local business advocate, podcast enthusiast and studio owner of North Georgia Business Radio X. He was recognized as Junior Achievement’s Business Partnership of the Year in 2016 for his efforts and commitment to increasing financial literacy in the community. In his free time, Beau loves to spend time with his family, including toddler, Gwendolyn, and time in the mountains of Murphy, NC.

Fun Facts:

• Prior to his career in finance, Beau was a personal banker and an intake specialist at a mental health hospital
• He played defensive end for UGA’s football team
• His favorite vacation spot is the outer banks of North Carolina

Marco Scalco is a tax and financial advisor who believes in helping clients with comprehensive financial services with an emphasis on tax planning and preparation, individual retirement, investments and insurance.

He combines personal attention with a focus on strategic, tax-efficient financial planning and over 10 years of experience in the tax and financial services industry to help his clients achieve financial prosperity. The ability to be a full service provider of financial needs allows Marco to create seamless and convenient experiences for his clients.

Marco has been engaged in a continuous quest for knowledge and professional development. He obtained his Bachelor’s degree in Business Administration in 2003 and since then has furthered his education by obtaining the following certifications:

·        Enrolled Agent – U.S. Department of the Treasury, Internal Revenue Service (IRS)

·        Registered Financial Consultant

·        CERTIFIED FINANCIAL PLANNER™ professional

·        Certified Financial Fiduciary®

·        Passed the FINRA Series 7/ General Securities Examination

·        Passed the FINRA Series 66/ Uniform Combined State Law Examination

·        Life, Accident and Health Agent – California Insurance License # 0E5149

·        Fire & Casualty Broker-Agent – California Insurance License # 0E5149

Marco is an active member of the National Association of Tax Professionals (NATP) and the Financial Planning Association (FPA). In his spare time, he enjoys spending time with his family, traveling and outdoor activities. Marco and his wife Erin reside in Huntington Beach, California. They have two children.

Kay Carreon, is a Certified Financial Education Instructor, Bachelor’s Degree in HRM & Certificate in Management Development for Entrepreneurs in UCLA.  

CEO and Financial Consultant of REACH Consulting Services. 

 Kay's intensive experience in Sales in Marketing for over 23 years and transitioned to Financial Consulting.  

 Kay experienced a Life event that changed her life and led to Financial Literacy Advocacy. She became an independent financial consultant in 2010 where she independently started her own wealth management team in San Diego and now a National Broker. 

 She specializes in financial consulting, wealth management and support estate planning; executive planning, and corporate executive compensation programs; she also establishes foundations and manages family offices.  Working with attorneys and CPAs, she coordinates a team approach to assure her first and foremost concern, the client’s overall financial well being. 

 Kay and her family reside at beautiful San Diego, where she enjoys cooking/baking, gardening, and spending time with her two daughters, Karyn and Kamryn. 

Bio - Rylan Rozell is the founder of Rozell Wealth Management. He has a passion to help others holistically achieve their financial goals for every area and stage of life by maximizing their wealth, minimizing expenses and moving them toward financial freedom. He founded the company in December 2009 to provide impartial, product-agnostic, customized financial advice based upon a comprehensive planning approach that integrates all aspects of investment, insurance, tax, income and estate concerns into a coordinated plan. He places an emphasis on serving individuals going through a major transitional life event such as retirement, divorce, the death of a spouse or the selling of a business.

Rylan has his MBA, and the designations of Certified Financial Planner (CFP^®), Certified Divorce Financial Analyst^® (CDFA^®), and Certified Financial Fiduciary (CFF^®). He is qualified to provide financial planning for all types of life situations and particularly for those going through a divorce where legal, tax, property, other assets, and income must be considered in arriving at an equitable arrangement. He is also duly licensed in real estate and has owned and operated both real estate brokerage and property management firms. This gives him a unique understanding as an advisor because property assets are often a large part of a person’s financial portfolio.

Rylan is married with three daughters. He is an accomplished bass guitarist and has opened for several well-known Country and Christian recording artists. He also plays soccer and frequently competes in triathlons including Ironman events.

If you have had any previous experience with a financial advisor, chances are the conversation revolved around how much money you have, where it’s located, we can do a better job.  It would seem that most investment firms share the same singular focus of trying to find better products that earn a higher rate of return which often take more risk.  For all of the fancy analytics and mathematical acrobatics available today, nobody has yet figured out how to predict the future. Earning higher returns is certainly not a bad thing, and something we can help you with as well, however we believe we should help our clients avoid money they could be losing unnecessarily before considering options that require more risk.  Return is not the only thing to consider when evaluating the efficiency of your own personal economic model.  

There are three types of money; the money used to secure your financial future must somehow come from these three areas.

Accumulated money represents the dollars you currently have invested and are currently saving. You could focus your attention on these dollars in order to find better investments that potentially pay higher rates of return.  

Lifestyle money represents the dollars you are spending to maintain your current standard of living: where you live, what you eat, where you vacation etc. For many people, this is where the conversation ends. While everyone wants to solve their financial problems reducing their current standard of living is not a popular option.   

What if there were a way to address the issue without having to incur more risk or impact your present lifestyle? I’m glad you asked! 

Transferred money represents the dollars you may be transferring away unknowingly, and unnecessarily. Such as: 

-How you pay for your house, 

-What you pay in taxes

-How you fund your retirement accounts

-Non-deductible interest

-How you pay for major capital purchases like cars, education, weddings, and other large expenses. 

 There are really only two ways a financial advisor can be of help to you: 

1. By finding better products that pay higher rates of return requiring more risk

2. By helping you be more efficient by avoiding unnecessarily losses 

I believe that there is more opportunity to serve my clients by helping them first avoid the losses, before trying to pick the winners. My focus with clients begins with eliminating the involuntary and unnecessary wealth transfers

Bob is registered and certified as a Certified Financial Fiduciary®

∗ Bob has been an icon in the life insurance industry for over 40 years, he’s a well-respected speaker & trainer and the CEO of 2 companies.

∗ Bob’s earlier years were spent with New York Life where he rose to the top as the #1 General Manager out of 100 offices in the United States and won the coveted Chairman’s Trophy.

∗ Bob decided to go out on his own in 1981 and founded the Rushmore Private Client Group, which focuses on estate planning & tax liability for clients with a new worth in excess of $40 million.

∗ Bob is a member and speaker of the London-based Society of Trust & Estate Practitioners & has co-authored articles for the Journal of Taxation.

∗ His high-level expertise has led him to collaborate with prominent attorney’s & CPA’s all over the country.

∗ Bob teaches Estate Planning Attorneys, CPAs and High-End Advisors on compliant techniques to keep the wealth in the family.

∗ In 2008, Bob saw a valuable need for creating a highly-compliant process for life settlements and thus, established Settlement Masters.

∗ Settlement Masters is an independent settlement Broker who is licensed throughout the United States as a fiduciary who represents the policy owner exclusively in achieving the highest and best offer for their policy in the secondary market. It also gives client the methods of keeping their policy so they can make an educated family decision.

∗ Settlement Masters ranks as a “preferred” settlement Broker for many top BGA’S & Broker-Dealers such as The Leaders Group.

∗ The company also ranks as the most compliant Broker in the country according to Lloyd’s of London and is the only settlement company to whom they offer E&O insurance.

∗ Bob is passionate about his fiduciary responsibility of protecting the best interests of Senior policy owners by working with professional advisors to either save their client’s insurance policy or capitalize it in the institutional market.

∗ He’s also dedicated to helping protect advisors from potential lawsuits by teaching them about the current state regulations and their fiduciary duty to educate their elderly clients about the third option, life settlements.

Joshua Coniglio, CFP® is the Director of Financial Planning at Pacific Capital, located in Corona California. Josh meets personally with clients to understand their priorities and then to design and implement the right strategy to reach their goals.

Josh holds the Certified Financial Planner (CFP®) designation. He graduated from California State University, Fullerton with a bachelor’s degree in Finance and an emphasis in personal financial planning. Josh also earned the National Social Security Advisor certificate  - NSSA®, from the National Social Security Administration. He has many years of experience working for premier financial planning firms in Orange County, focused on advanced financial plan design, investment management, tax strategies, retirement planning, income planning, insurance planning, and estate planning strategies.

 Josh is a Southern California native and lives in Corona with his wife Stephanie and their dog Cooper. When Josh is not in the office he enjoys the outdoors, hiking, fishing, camping and golfing.

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.

About My Practice

Victoria Taylor is a retired federal employee and owner of Premier Financial Group, a financial services firm in Southwest Florida. She retired from the Federal Government (with the National Security Agency and the U.S. Postal Service) and has been providing her clients trusted counsel and valuable financial solutions since 1992.

With her extensive expertise in retirement planning for the federal employee, Victoria can construct plans that meet the specific needs and objectives of these clients. She brings her unparalleled and distinct perspective of unique circumstances facing federal employees and annuitants.

Victoria and her staff provide lifetime income-planning solutions, long-term care options, and specifically devised life insurance legacy plans that will insure "peace of mind" and "I can sleep at night" assurance to those who seek her services.

Victoria is an active member of her community and past President of her local NARFE Chapter (National Active and Retired Federal Employees).

Federal employees should consult with a retirement specialist while still employed to insure they make the best selections while planning for their retirement. We provide complimentary financial analysis to federal employees and offer valuable federal retirement workshops to help employees make smart choices about their retirement benefits.

Offering Advice Since 1992

Areas of Specialty

·       CSRS & FERS Annuity Review
• CSRS & FERS Survivors Benefit Annuities and Options
• Disability and Long Term Care options
• FEHB for Federal Employees and Retirees
• FEGLI -- Options, Cost & Supplements
• Lifetime Income Benefit Strategies
• Personal Federal Employee Benefits Evaluations
• Retirement Options & Eligibility
• TSP:  Rollovers and In-Service Withdrawals

Licenses, Certifications and Affiliations

Insurance Licenses: Life including variable annuity and health
Security Licenses: Series 65
Designations:  Certified Financial Fiduciary, RFC, CSA, ChFEBC

Charges to Clients for Services

No fees to Federal Employees
Fee (initial, hourly, and/or retainer)
Fee based on percentage of assets managed
Commissions on insurance products purchased
Trail fees on mutual funds or insurance policies

My Association with the Office or Firm:  Owner