I was born in Dinuba, CA.  As a young man, I swam competitively.  I received my undergraduate degree from Oregon State University in 1974.  I received my MBA from the University of Oregon in 1976, and consider myself a lifelong student.

I started my financial services career in 1983, with tenures at Morgan Stanley, Dean Witter, and Paine Webber. I hold insurance licenses and have passed the Series 3, 7, 8, 24, 63, and 65 examinations.  My career has involved retail sales, recruiting and managing advisors, and wholesaling financial products.  For the last 25 years, I have been an industry educator and speaker.

I’ve been married for 34 years and we have two fantastic, awesome, gorgeous, incredible children. I enjoy working as a mentor in our church’s men’s ministry.  I also work as a board member with Emergency Ministries, an organization that works with our community’s first responders.

My real passion is my clients. My mission is to do the best job possible for them.  That begins and ends with listening.  I listen, listen, listen to my clients so I can develop individual plans to help them create, develop and maintain the lifestyle of their choosing.  My areas of focus include investment selection, retirement income planning, and family wealth management.

Jon A. Law is a seasoned executive with over 40 years of experience in financial services and consulting. He brings a world of expertise with particular strengths in areas such as investment management, financial management, taxes, and college financial aid planning. Jon currently operates a private consulting firm, U Financial , LLC , which he founded in 2007. He has worked with hundreds of clients implementing various financial strategies to improve all areas of financial management.

In addition to his executive career, Jon continues to serve in several boards of directors as well as consulting with many area company owners. Over the last twenty years, Jon has established himself as a thought leader in the field of executive and financial expertise for personal and business owner clients. He is a frequent guest speaker at lectures and has taught many seminars for CPA’s, CFP’s and Insurance Advisors

Jon currently holds the following professional designations, CFP (Certified Financial Planner), CFFC (Chartered Financial Consultant), CFF (Certified Financial Fiduciary), AEP( Accredited Estate Planner)

Tony began his career as a retirement planner in 2001. Since then his business has grown through referrals from many satisfied individuals. Tony is dedicated to developing lasting relationships with his clients and their families. He provides an easy to understand, common sense approach to sometimes complex financial issues. Tony believes education is the key to helping his clients assess their unique financial goals. Tony earned a Bachelor's degree from Bowling Green State University in 1985 after graduating from Bay Village High School.. He was District Sales Manager for a national sales organization prior to entering the financial industry. Tony is happily married to his wife Dana. They have 3 children and reside in North Royalton OH where they are actively involved in the community.

Tony works closely with Financial Independence Group, who provides him with comprehensive product illustrations and current, up-to-date information on the many investment options he offers. He treats every client with respect and integrity and provides them with an independent financial analysis.

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!