Finding a financial professional you can trust is key to achieving a successful retirement.
Certified Financial Fiduciaries® are sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. By choosing to work with a Certified Financial Fiduciary® you can be confident that your best interests will always come first!
Cary J. Cowan Sr. began his career in the insurance industry in 1970. After establishing his own firm in 1979, he expanded his practice to include financial and retirement planning, investments, and business planning.
Cary feels that a true financial professional listens to clients and prospects and understands what is really being said. "You have to be empathetic to your client's needs and not your own pocketbook." His philosophy believes in forming long term relationships and not just clientele.
Cary developed the Lifetime Financial Strategies ProgramSM. This is a six step process which he believes assists clients in realizing their lifetime vision. Cary utilizes this process with all of his clients, ensuring that both he and his clients understand the goals and visions that his clients want to achieve. He authored The Lifetime Financial Strategies, a 21st Century Financial Planning Process. It is a book based on the philosophy of relationships first, taking you through a case study of a couple needing help.
Cary is a member of the Financial Services Institute, the Financial Planning Association, the Society of Financial Service Professionals, the American Society of CLU and ChFC, PACE, and the National Association of Life Underwriters. He is also a qualifying, life, and Top of the Table member of the Million Dollar Round Table.
Brian Keith Moon, Certified Financial Fiduciary® , RSSA
Brian has a Certificate for Financial Planning from Boston University. With over 20 years of financial industry experience he has previously worked with institutions such as AIG, Edward Jones, BrokersXpress, ISC Group, SCF Investment Advisors Inc and Crown Capital Securities, LP. Brian is currently Managing Executive and Chief Compiance Officer of Toro Bravo Investment Advisors, LLC, a Texas state RIA 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 designations of Registered Social Security Analyst (RSSA) and Certified Financial Fiduciary (CFF).
Brian has also been involved in philanthropy and civic activities with the Hale Center Emergency Medical Services (EMS) and in prison ministry.
Brian extensively fundraised and successfully applied for grants on behalf of the Hale Center EMS raising more than $210,000 and 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.
Brian Keith Moon, Certified Financial Fiduciary® , RSSA
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, Certified Financial Fiduciary® , AWMA, CRPC
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.
Chad Willardson, Certified Financial Fiduciary® , AWMA, CRPC
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.
Ed Beemiller, Certified Financial Fiduciary ® (CFF), has been in the financial services industry in Central Ohio for over 21 years. He holds a BA from Kenyon College and an MBA from The Ohio State University School of Business. Ed was formerly the CFO of a $45MM privately held corporation and had spent 17+ years working in the Commercial Banking Industry as a SVP of a Regional Bank in Central Ohio. Ed has extensive experience in advising/consulting with business owners and executives in planning and developing financial strategies, general business consulting, appropriate capital structuring, and securing financing alternatives to ensure the continued successful operations of their companies.
Besides consulting with business owners to help them leverage assets and build wealth, Ed also works with individuals and families who are looking to build a road map to a more secure financial future and balance risk in their investments. Ed designs customized asset accumulation and income distribution plans that help his clients to reduce market risk within their retirement plans, and create tax-advantaged and/or guaranteed streams of income for retirement.
Ed is passionate about helping his clients achieve their long-term financial goals by offering multiple risk diversification strategies, building multiple asset buckets to produce consistent income streams that will last throughout their lifetime, and helping them build inter-generational wealth.
Since 1998, Michael J. Lehrhaupt, President and CEO of Strategies for Retirement, has been helping clients protect their assets and income due to risks they may face in retirement. Michael, along with his staff, are committed to providing the highest level of service and guidance to their clients.
The belief of the Strategies for Retirement team is to provide a sound, holistic financial plan for retirement, which should include well defined strategies to address such risks as longevity, market volatility and unexpected illness.
In addition to helping over 1200 clients protect their retirement assets and income, Michael is a well-renowned trainer and educator in the field of Retirement Planning. He is a sought after and highly regarded public speaker, having spoken on numerous occasions at national events. In addition, Michael has been quoted in many local and national publications, including The New York Times and The Wall Street Journal.
Michael resides in Fairfield, CT with his wife of 25 years and their three children. In addition to spending time with his family in his spare time, he also enjoys playing guitar, hiking with his dogs, and giving back to his community.