Rusty began his career in 1997, and over the past 20+ years he has helped clients manage their wealth throughout good times and bad. He joined Harbor Investment Advisory, LLC in 2015 after 8 years at UBS, 7 years at Smith Barney and prior tenures at Banker’s Trust and Alex. Brown Investments.

Rusty focuses on retirement income planning and Plan Sponsor Evaluation of Employer Sponsored Retirement Plans utilizing Harbor Investment Advisory’s Retirement Plan Consulting Platform.

He holds Series 7, 63 & 65 securities licenses as well as the CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Plans Specialist™, Certified Financial Fiduciary®  and AIF® (Accredited Investment Fiduciary) designations and licenses for life, accident and health insurance and variable annuities.

He earned a B.A. in 1991 from the University of Delaware and graduated from the McDonogh School in Maryland. Rusty resides with his wife and two children in Owings Mills, Maryland.

A former teacher, Adam has never stopped learning. He’s still passionate about educating, only now he achieves that by instructing clients on all aspects of their retirement and wealth management to help them formulate a personalized plan for what should be life’s most rewarding stage.

Adam grew up in Niagara Falls, New York, and in high school was a three-sport athlete, editor of the school newspaper and president of the drama club. He attended Niagara University on a scholarship and graduated with a Bachelor of Fine Arts in theater and English literature, later earning a master’s degree in secondary education. Adam relocated to Florida in 2006 and, after three years spent teaching in the Lee County School District, transitioned to the financial services industry in 2011.

Working for major players like MetLife, Gerber and Mutual of Omaha provided Adam with invaluable experience, but after teaching other advisors across the country different strategies to help their clients, he came to a realization: It was time to put his own system in place. With an aim to open a one-stop shop where individuals could receive holistic guidance and education on all aspects of financial planning, Adam founded Evolution Retirement Services in 2018. He’s since achieved designation as a Certified Financial Fiduciary® from the National Association of Certified Financial Fiduciaries.

An independent Insurance agent in the San Francisco Bay Area for more than 20 years.

Karl is the CEO and Founder with teamwork being at the heart of his firm. Karl is a Certified Financial Fiduciary and has been a financial advisor and retirement specialist since 1988. He and his spouse Tana live in Naples. They are blessed with two children and two beautiful grand daughters. They are both avid tennis players and golfers. Karl's devotion to his clients and family are the foundation for success of Atlantic Asset Advisors.  

I am Sonja Comeaux, Federal Retirement Consultant, belonging to a team of financial, and tax solutions for individuals working in federal, state, and private industries. Our team includes Federal Retirement Consultants, Certified Public Accounts, and Estate planners with decades of industry experience. Our partnership includes Retiretrak Advisors;  a national network of financial institutions including FFEBA, GPS Tax Center, Brokers International, and Pension Navigators. I am also a Certifiied Financial Fiduciary® which is a FINRA-SEC recognized designation. 

For over thirty years Terry Schnare has been managing wealth for affluent investors and their families. Terry is the Founder and Managing Principal of SCH Financial Group, LLC in Naples, Florida. Terry provides sound advice and straight talk to client’s year after year and has created a multi-generational practice. Having maintained a reputation for integrity, scholarship and confidentiality. Terry pursues his client's goals with honest advice and forward-thinking strategies.

Terry graduated from Keene State College with a BS degree in Business Management focused in Finance and Investments and has earned the designation (CRPC) Chartered Retirement Planning Counselor. Terry’s education and experience has helped him to develop a comprehensive brand of Wealth Management. His specialized approach includes a combination of utilizing advanced technology to create a clear diagnostic assessment of his client’s current financial picture alongside advanced wealth strategies, sophisticated tax planning and on-going multi-generational account management. This style is designed with the goal of lessoning tax burdens, capitalizing on market movements and promoting efficient transfer of wealth from one generation to the next.

Ronald C. Edwards is President and owner of Annuity Pro, LLC.  As a trusted advisor and       Insurance professional with over 32 years experience Ron practices all fiduciary principles and is a  recognized expert in the area of Safe and Secure retirement planning with NO STOCK MARKET RISK!   We offer IRA and 401k rollovers with premium bonuses of up to 10%,

Roth IRA's with premium bonuses of up to 10%, and life insurance with "living benefits".

We work several financial strong insurers which allows us to compare and offer the best

products for your individual needs. Our team which includes financial advisors, Insurance professionals, accountants, and estate planning attorneys, are dedicated to maximizing your retirement income by up to 40% in some cases!  

Kyle has been in the professional financial services industry for over 15 years. He received his Bachelor’s degree in Business Finance from California State University Long Beach.  He currently holds a BFA™, Behavioral Finance Advisor certification and is a Certified Financial Fiduciary®, as well as his Securities licenses Series 7, 66, and life insurance licenses in multiple states.

Kyle focuses on guiding individuals through major transitional life events, such as retirement, divorce, the death of a spouse or the selling of a business.  He specializes in advanced financial plan design, investment management, tax strategies, retirement planning, income planning, insurance planning, and estate planning strategies. 

Since 1995, Ray has been working face-to-face with individuals and small businesses in the Central New York area as well as with numerous technology clients across the nation.  He is dedicated in fostering lasting relationships with all his clients.  He believes in reserving time to improve your knowledge and comfort level with the financial markets.  Clients who have higher levels of financial literacy will be better able to recognize common financial pitfalls.  Being able to create a shared dialogue will increase his understanding of your needs, passions, and struggles.  With this knowledge, he can help you better define, build, and track your goals and create a holistic financial plan that is designed just for you.

Ray is the Founding Director at Reliance Capital Management, Inc. (RCM), and offers securities, advisory and insurance services through Cadaret Grant.  Financial Independence is, or should be, the goal of every investor.  RCM was founded on the similar belief that your financial advisor should be equally independent of financial or insurance firms who dictate what securities you can invest with.  By choosing RCM, you will work with an advisor who works for no one else but you.

Ray holds insurance licenses to satisfy your needs for Life, Health and Long-Term Care insurances.  Should any insurance desire need to be explored, quote’s will be obtained from numerous companies to ensure you get the most competitive price.  Ray holds the following security licenses; 6, 7, 26, and 63, and as an independent agent, he will have access to tens of thousands of different investments (stocks, bonds, Exchange Traded Funds, mutual funds, and Separately Managed Accounts) to fit your specific needs.  He graduated with honors from both Clarkson University, with a bachelor’s degree in electrical engineering and from Rensselaer Polytechnic Institute, with a master’s degree in Finance.  In addition, Ray has earned the Certified Financial Fiduciary designation and can immediately and clearly demonstrate how to practice a fundamental obligation to always put your best interest first.

In his spare time, Ray and his wife enjoy a wide variety of outdoor activities such as hiking the numerous mountains on the east coast, kayaking its many lakes, gardening, tennis, golf and spending time with friends and family.  Occasionally, you will find him on a nearby college or high-school campus officiating soccer or basketball games, so always be ‘nice’ to those fellow officials, since one of them maybe him.

Securities and Advisory Services offered through Cadaret, Grant & Co., Inc., a Registered Investment Advisor and member FINRA/SIPC. Reliance Capital Management Inc. and Cadaret, Grant & Co. are separate entities

Joseph earned a Bachelor of Science degree in Business Administration with an emphasis in finance from Colorado State University, graduating in the top 4% of his class with the Magna Cum Laude distinction. He holds Series 7 and 66 licenses as well as life and long-term care.

Joseph's career in the financial industry began in 2007 at UBS Financial Services where he served as a Research and Technical Analyst. His responsibilities included investment and security research, portfolio construction, and the authoring of complex financial planning strategies. Joseph then advanced to the role of Financial Advisor where he directly assisted individual, small business, and corporate clients with the management of their investment, insurance, and liability needs.

In 2018, focused on the continued best servicing of his clients, Joseph made the transition to an independent Wealth Advisor. The shift has been integral, allowing for nonproprietary investment solutions, an increased inventory of alternative strategies, and the optimization of pricing on fee based services.

He adamantly believes a Financial Plan is the foundation of the strongest client relationships. By holistically analyzing each client's unique circumstances, Joseph is able to build a customized plan which can be implemented, tracked, and updated as needed to ensure each client is in control of their financial journey. His dedication to detail and unyielding views on client service have led to multiple awards, industry and peer recognition, and invaluable long-term client relationships.