The Picture You’re Painting:  It’s about what YOU want

Seek first to understand, then to be understood is a great quote from author Stephen Covey.  However, many in the financial world have it backwards.  Too often advisors seek first to be understood (sell their product).  This “sale” becomes the focus and the goal.  As a result, they often fail to take the time to understand who you are, your retirement goals, dreams and concerns about current or future economic conditions.  As a result, then may not allow you the time to “Paint Your Picture”.  Some seem to forget that retirement is one of the biggest transitional times in your life and therefore the development of a solid plan should not be rushed into.  It should take time to develop over several meetings.

Bryan Rich has been serving clients for over 30 years.  He strives to teach a balanced approach to retirement while highlighting both the positives and negatives of options available.  He began his financial services career in 1992 upo graduating with honors with a Business Finance degree  from Liberty University.  After working for over a decade for a national financial planning company he decided to pursue his own career.  As part of that decision, in 2005, he assisted experienced insurance and investment professionals from Roanoke, VA. and established Secure Financial Group, Inc. Later opening an office in Cary, NC. Since its founding Mr. Rich became the face of Secure Financial after speaking to thousands of “50 and Uppers” throughout Virginia and North Carolina in presentations and educational workshops.  Now, as President of SFG since 2008, he has continued to develop strategic relationships with attorneys, CPA’s and other experienced professionals in order to provide a holistic approach to financial and estate planning.  These NETWORK Partners share in SFG’s desire to fully inform and educate each and every prospective client.

Bryan is proudly an independent advisor when it comes to meeting the insurance and lifetime income needs of his clients.  In 2007 Bryan passed his Series 65 Exam and is currently an Investment Advisor Representative for Brookstone Capital Management www.brookstonecm.com.  When dealing with the risk portion of your portfolio, along with BCM Bryan provides fiduciary advice.  This helps promote a balanced approach to retirement…it is not one-size fits all.  Risk options provide more upside potential, while protected options offer peace of mind. Your best interest is always the primary objective...matching your goals with the math.  

PEOPLE FIRST, MONEY SECOND is not just a motto; it is the way SFG chooses to do business by taking the time to get to know you and the “Picture You’re Painting” for this stage of life before we ever start talking about the “products”.  The “products” are important, but they are simply the tools.  How do we know what tools to use until we know what you want to build?

Let’s dream a little first.  Then, once your goals for retirement are understood we help you implement the ABC PLANNING PROCESS.  This process is designed for the Conservative & Moderate Investor who doesn’t want to simply leave retirement to “I HOPE IT WORKS” -- or “IT SHOULD WORK” – well, as long as the stock market does what I want it to do.  Risk investments certainly have their place and are a major part of the ABC PLANNING PROCESS.  But, first we must ensure our Liquidity and Income needs, then chase risk for greater return potential.  So, the key question is not, “What kind of returns might I get?”  Nor is the question, “Can I afford to retire now?”  No, the key question should be:  “Am I in a position to retire and most importantly…STAY RETIRED?”  All with a level of risk that if the market has a major decline you can step back and say, “I’m still okay”. 

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor.  BCM and Secure Financial Group are independent of each other.   Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents

Tami Czajka, CFF, is a financial advisor with Macro Money Concepts.  She has been in the financial services industry for over 25 years.  She started as an assistant Underwriter with an insurance brokerage agency.  She then moved over to the independent agency with her husband, Charles (Chuck)  who has been in the industry for over 40 years.  Together she and her husband (Chuck) own and operate Macro Money Concepts located in Stuart Florida.

Our passion is helping people and small businesses reduce taxes, increase income potential and provide maximum benefits to improve their overall wealth through safe money strategies.

Hi I am Darryl. As your financial well-being strategist, My goal is to remove the complexity of financial planning by provide coaching and mentorship, accountability, and a “let’s get it done” mindset which I gained through years of self-less service as military, government civilian and private industry servant helping the “good guys” find the “bad guys”

My true passion however has always been in helping others pursue financial, personal, and professional success. This passion is fueled by the recognition that any success I have achieved in life has been through the support and mentorship of family, friends, and close associates. Although I am “just a common, hardworking ordinary guy” who like most has experienced life’s “ups” and “downs,” I attribute the successes I have had to the advice and guidance of those who have poured into me financially, personally, and professionally. It is this level of commitment I will pour into to you.

I have been in the financial services business for 10+ years, working primarily with families and business owners. I use a unique approach that helps people find money they’re currently transferring away unknowingly and unnecessarily. 

Below are a few of the areas I enjoy coaching and advising individuals and small businesses with by offering creative and customizable 360-degree solutions tailored to fit their needs:

·        Retirement planning

·        Wealth Management

·        College planning

·        Accounting/Bookkeeping

·        Tax planning and consultation

·        Income tax resolution with IRS and State

·        Personal/Business insurance consultation and product selection

By developing a relationship with you and gaining a clear understanding of your financial objective, I help alleviate your concerns and help you make decisions that may ensure a profitable future for you, your business, and your family.

Here are but a few of the questions I can assist you in answering as a member of your advisory team:

·        What is the best entity structure for my business from an income tax liability perspective?

·        How can I consistently manage my business and personal taxable income as conditions change over time?

·        How much precisely is my business worth?

·        How does my business valuation affect my personal financial status?

·        Can I offer employee benefits? Should I offer employee benefits?

·        What is the best benefits strategy for my business to help attract and retain quality employees?

·        How do I safeguard my business in the event of disrupted operations or the loss of a key/valued employee?

·        What is my business succession plan–what’s the most effective strategy for either selling my business or handing it over to a family member?

·        What does retirement look like and how do I plan to save for retirement?

·        How can I reorganize my financial strategy to achieve specific financial goals, such as retirement, my children’s college planning, etc.?

Don’t wait until tax season to make my team and I a part of your coaching network or advisory team. Now is a great time to set up an appointment for us to assist you with your complimentary year-end income tax, insurance, retirement planning and/or wealth building strategy review. 

Other/Fun Facts:

·        I am a Certified Financial Fiduciary and hold 6/63, health, life, and P&C licenses

·        I am a veteran (retired) of the United State Air Force (USAF)

·        I am a John Maxwell Certified Coach, Teacher and Speaker, offering workshops, seminars, keynote speaking, and financial/personal coaching

·        I am a Washington DC service core of retired executives (SCORE) mentor

·        I am a Dallas Cowboys fan | Its been a long time, but I still would love to see another championship

·        I have beautiful 5 children (4 daughters/1 son) and 4 grandchildren (2 granddaughters/2 grandsons)

Matt Sherman provides Foundation Capital and Retirement Solutions primarily for a select

group of individuals who among other things are looking to elevate the performance of their

retirement assets and also aspire to a secure a lasting lifestyle through Safe Money Planning and

Solutions.

He has developed and refined this system over the last 25 years. He encourages his clients

to take advantage of a Free Retirement Analysis and also a Free Social Security Timing Report.

Both are available at no obligation.

Matt is the founder of the independent firms, Insurance My Way and Transition Into

Retirement and is committed to the independent style of business as it allows us to provide his

clients access to the very best products, ideas, resources and strategies.

Born and raised in West Palm Beach, Florida, Matt has always had a passion for helping

people and shares with his clients at all economic levels innovating ways to retire safely and with

peace of mind.

His passion is teaching classes on various subjects that benefit Seniors and speaking at

different organizations throughout South Florida.

Matt is an avid outdoorsman and enjoys boating, fishing, camping and golf. He lives in West

Palm Beach, Florida with his wife, Carol. They have two grown children and recently celebrated the

birth of their first grandchild.

Brian is the author of 'the Ultimate Retirement Planning Guide: Retire Like You're on Apollo 13.' (Available on Amazon) This book guides you through the actions that are needed for a successful retirement mission. Using the Apollo 13 mission as an illustrative device to understand Retirement Planning, Social Security, Taxes, Investments, Financial Advisors, and how a Certified Financial Fiduciary can help you plan a successful retirement mission. With over 27 years of experience in the financial industry, he carries a certificate in financial planning from Boston University and is a registered social security analyst. 

Brian has previously worked with institutions such as AIG, Edward Jones, BrokersXpress, ISC Group, SCF Investment Advisors, and Crown Capital Securities, LP. Brian is currently the Managing Principal and Chief Compliance Officer of Toro Investment Advisors, LLC, a Registered Investment Advisor firm. He was privileged to ring the closing bell at the NASDAQ in 2013. Additionally, Brian has been the recipient of many financial industry awards. Brian earned the professional designation of Registered Social Security Analyst (RSSA) and Certified Financial Fiduciary (CF2). Brian has also been involved in philanthropy and civic activities with the Hale Center Emergency Medical Services (EMS) and in prison ministry. Brian fundraised and successfully applied for grants on behalf of the Hale Center EMS, raising more than $210,000. He sat on its board of directors and received recognition for his efforts. He was a finalist for the 'Invest in Others' community service award for his work with Hale Center EMS. 

Doug began his professional career in the Property & Casualty side of the financial industry earning 8 designations, including the Charter Property Casualty Underwriter (CPCU) designation. After five years as an underwriter, he joined AXA Advisors, LLC located in Bala Cynwyd, PA.

In July of 2014, Doug entered the world of total wealth management by joining 3 Dimensional Wealth Advisory in New York, and in 2018 formed a partnership with fellow advisors Jeffrey Higgs and Christopher Natale.  As an advisor at 3 Dimensional Wealth Advisory, Doug focuses his time and efforts on providing financial advice to families, future and current retirees, and small businesses through asset allocation, income protection, estate planning strategies, and wealth preservation strategies. Doug is Series 7, 63 & 65 licensed with FINRA along with his Life and Health License. He is a registered representative of Vanderbilt Securities, LLC.

Doug obtained his B.S. degree in Mathematics from Saint Joseph’s University in Philadelphia, PA. He achieved his Master’s in Business Administration (MBA) with a concentration in Finance from the Haub School of Business at Saint Joseph’s University in 2015. He received the honor of being inducted into Pi Mu Epsilon (Mathematics Honor Society) and for his Master’s coursework, Doug was inducted into Beta Gamma Sigma (International Business Honor Society).  In 2016, Doug earned the Certified Retirement Planning Specialist (CRPS) designation, and in January of 2020 he earned his Certified Financial Fiduciary (CFF) designation.

In his free time, Doug gives back to Saint Joseph University by serving as a member on the Barbelin Society Committee. He enjoys playing golf, basketball, and spending time with his 3 kids and wife.

Chad Willardson, CFF, CRPC®, AWMA®, is the President of Pacific Capital, a fiduciary wealth advisory firm he founded in 2011 that serves entrepreneurs and families. He is the bestselling author of two books: Stress Free Money & Smart Not Spoiled, which have been featured in Forbes's "21 Books To Read In 2021" and on NBC News and Yahoo! Finance. In addition to serving the family office clients of Pacific Capital, Chad also manages the $375 million investment portfolio as the elected City Treasurer in his community. Chad is recognized as one of the top wealth management experts in the country and has appeared in The Wall Street Journal, Forbes, Inc., U.S. News & World Report, InvestmentNews, Entrepreneur, and Financial Advisor Magazine. He lives in Southern California with his wife, Amber, and their five children.

Garrett W. Moretz has many years of experience working with clients to plan financially with safe investment alternatives as well as investment management. He is an independent financial advisor who has been helping consumers with tax advantaged investment alternatives for over 22 years. Garrett has created a service that caters to people who are frustrated with low interest CD’s and are rightfully scared of the crazy and risky stock market but still want higher interest and rates of return. His services help consumers find alternatives to not only safely protect their nest eggs but that also provide many tax advantages and growth. Garrett also specializes in long-term financial planning for pre-retired and retirees, including but not limited to, investment planning and estate planning. Garrett has earned the distinguished Certified Financial Fiduciary® (CFF) designation. He has also earned the Global Financial Steward (GFS) designation. Garrett’s business, Moretz Wealth Management, LLC, is based in Mooresville, North Carolina but he services consumers throughout the United States. He is a dedicated family man with a wife, Julie, and three sons, Kessell, Caleb and Noah. Garrett has lived in the town of Mooresville, NC for 22 years after moving from Huntersville, NC. He is originally from Alexander County in the foothills of North Carolina. Garrett attended both the University of South Carolina and Montreat College in Charlotte, NC where he studied business administration and supervision. He has been affiliated with American Express Financial Advisors of Minneapolis, MN, Synergy Investment Group of Kannapolis, NC, Allegiant Financial of Miami, FL and First Heartland Capital of Lake St. Louis, MO. He is currently affiliated with LifeMark Securities Corp. of Rochester, NY Moretz Wealth Management, LLC 347 N. Main Street, Suite 201

Tracy Rosenau is a 30-year financial services industry veteran and dedicated holistic financial advisor.  Life is hard sometimes, and experience matters.  Successfully navigating real world experiences like elder care, divorce, career change, entrepreneurship, and numerous historic economic and stock market events of recent decades requires empathy, understanding and wisdom.  Her personal and professional experiences are why Tracy is uniquely able to meet clients wherever they are in their financial lives. 

Using her extensive brokerage, asset management, alternative investment, and insurance background, Tracy simplifies complex concepts, educating clients to give them a full understanding of possible outcomes and strategies that can be achieved through a collaborative, customized financial plan designed to help them achieve their dreams.  Financial planning is not a one-time transaction but should be a long-term partnership with a service-focused fiduciary professional committed to regularly reviewing the whole financial picture, coordinating with clients’ current providers, and quarterbacking a holistic plan that is capable of flexing with whatever life throws at clients.  With JL Smith, clients have access to not just experienced financial advisors, but licensed attorneys, CPAs, Tax, Medicare, and Social Security specialists who help clients avoid costly mistakes when facing the asset gathering, as well as the pre-retirement and retirement phases of their lives.      

Tracy holds an Executive MBA (EMBA), is a FINRA registered investment advisor with Series 7 and Series 66 licenses, is a Certified Financial Fiduciary^® (CFF), a Bucket Plan Certified^® planner, and carries Life, Health and Annuities licenses in multiple states.  A life-long Cleveland native, in her spare time she enjoys all manner of sports and outdoor recreation with family, friends, and beloved 4-foots.

David was born and raised in Salt Lake City and graduated from Utah State University in 1985 with a Bachelor of Science degree in Business & Administrative Systems.  David started his career in the financial services industry in 2002 in Denver Colorado.  With his extensive experience in the design and implementation of financial plans and strategies, David has helped hundreds of clients achieve their financial and retirement goals.  David is committed to educating and coaching clients of all ages to empower them with the tools they need to make prudent and informed decisions.  David's goal is to make recommendations that are ALWAYS in the best interest of his clients.  David has been working with Ramsey Solutions since 2016 and is a Ramsey Trusted SmartVestor Pro.

David moved back to Utah in 2013 to be closer to his family and to fulfill a lifelong dream of living and working in Cache Valley.

David and his wife, Holly, now live in North Logan Utah.  They have four children and eight grandchildren.  David has served as a volunteer for many years with the Boy Scouts of America and received the Silver Beaver Award in 2012.  He enjoys hiking, biking, golf, racquet sports, and fishing.  With his love of the outdoors, David has reached the summit of 21 of Colorado's most challenging 14,000 foot mountain PEAKS.