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.

Matt graduated from Oklahoma Baptist University with a BBA in management. He has been in the financial services industry since 1999. For over 10 years he was a financial advisor for John Hancock where he provided investment, insurance and financial planning advice to retail clients. Since 2010, Matt has focused on active money management, utilizing tactical trading strategies. He currently serves as President and Portfolio Manager and oversees the daily execution of SRG’s fixed income models for clients and institutions. Matt also serves on the Board of Directors for the National Association of Active Investment Managers. He and his wife, Jamie, reside in Edmond, OK with their four wonderful children and are members of NW Church.

Laura is a Series 65 Registered Investment Advisor Representative, a Certified

Financial Fiduciary® (CFF) and a licensed Insurance producer. Her goal is to put your

financial and retirement needs first, and to do the right thing for each person she has

the privilege of serving.

Income and retirement planning is a priority for Laura. Her husband Eric, of 20 years

has been a successful Financial Advisor for his entire career, making it a family

business. They reside in southeast Florida and help clients with financial planning,

retirement, insurance needs, including life insurance, annuities, social security income

planning, Medicare, thrift saving plans, education and wealth preservation.

Laura grew up in the beautiful state of Tennessee, graduating with honors from East TN

State University with a degree in Bachelor of Business Administration. She also has a

Physical Therapy license which she has utilized for the past 25 years.

When Laura is not helping her clients, she enjoys traveling, biking, fishing with her

husband and spending time with family and pets.

Tim Hammond began his career as a financial advisor in the aftermath of the 2008-2009 stock market meltdown.  It was during this time that he encountered many people who turned a temporary problem into a permanent condition by letting fear guide their decision-making.

Tim resolved that this would not be his clients' story.  With proper guidance and education, clients can be helped during times of market uncertainty to achieve the goals they set out to accomplish.

Building on a decade of industry experience, Tim started his firm, Hoosier Financial Planning, in 2019.  Placing client interests first, Tim provides advice that is objective and transparent.  Tim is a Registered Investment Advisor and Certified Financial FiduciaryⓇ.

Brian David Breckenridge is a Financial Advisor that has worked in the Securities and Insurance industry since 1998. He is sole owner of Breckenridge Tax & Financial Services and Single Member of Innovative Financial Advisors, LLC, an Investment Advisory Company. His office location is in the heart of San Ramon California’s Bishop Ranch Park.

Brian believes there is a post-retirement financial epidemic in front of us. People are living longer and are not prepared for the level of financial security that is required. Most of our parents had a pension and Social Security at age 65. They didn’t have to worry about what was ahead financially. Today, there are fewer people that will retire with a pension and need to save into their own retirement plans. Together, Americans have successfully saved trillions of dollars into these plans and are not guaranteed their performance or if it will last over their lifetime.

Preparing for life’s financial needs are a challenging task in today’s volatile economy and fast paced environment. Individuals and families alike have unique goals and objectives that need continuous review and prudent planning. At Innovative Financial Advisors, we take a “Whole Picture” approach when reviewing our client’s financial situation. Our experience with income tax, financial planning and estate review enables us to discover areas of concern that our clients have in their overall plan and find solutions to these needs. As a Fiduciary, I believe looking out for my client’s best interest ahead of my own builds trust and initiates strong relationships.

Author, speaker, entrepreneur, mentor, visionary, life coach, and game changer. T. Wesley Stancil is on a mission to help transfer our culture to help people elevate their lives and mindset through education, mentoring, teaching, and thriving, not just surviving. Aristotle stated: “ Educating the mind without educating the heart is no education at all.”  Wesley believes that statement as he has helped hundreds of people make the transformation from mind to heart.

As a Financial Consultant/Advisor, with over 30 years of financial services experience, Wesley executes financial services involving life insurance, mortgage protection, retirement planning, risk management, college funding and tax-free retirement. He knows how money works and the steps needed to achieve financial success, stability, and freedom. His goal is to help people find, save, and accumulate money. He shares with his clients and potential clients The Power of Zero!

T. Wesley Stancil is president and CEO of the TWS Consulting Group, Inc.; a business, financial, and management consulting firm that believes in "Making a Pisitive Difference to the Bottom Line Through the Mind and Heart ℠". He is a representative of American Classic Agency and Stuart Financial Services. He is an effective leader with over 37 years of strong management skills. Demonstrated ability to develop a sharp vision and provide leadership in a changing environment. Recognized for boosting morale, streamlining workflow, increasing productivity with a commitment to teamwork and motivating people to increase theirpotentials as well as the limitations of their mind! 

PROFESSIONAL ASSOCIATIONS:

Member, National Association of Certified Financial Fiduciaries® (NACFF®)

Member, National Association of Insurance & Financial Advisors (NAIFA)

Member, CLC- Speakers Bureau

Member, National Association of Realtors (NAR)

Member, Maryland Association of Realtors (MAR)

Member, Greater Capital Area Association of Realtors (GCAAR)

PROFESSIONAL LICENSES:

Life, Annuities & Health (MD, DC, VA, NC)

Realtor, Real Estate Sales (MD & DC)

Former Mortgage Loan Officer (MD)

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PROF

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As a F

Casey Elkins is a founder and managing partner of Elevated Financial Management and Owner of Elevated Retirement Planning. He believes knowledge is power and strives to educate clients in regards to financial literacy and their personal financial options. He does this through comprehensive retirement planning classes at local colleges as well as one on one conversations with clients.

Casey focuses on retirement planning and employs methods to lower tax liabilities, minimize market risk, plan for long term care, and provide a consistent income stream during retirement. He strives to understand his clients wants and needs to ensure that their roadmap for retirement is clear and concise.

If Casey isn’t working, he is with his wife of 12 years. He spends his free time working on car and motorcycle projects or with friends and family.

Stephen Bene is a wealth advisor and retirement income planning specialist at OneTeam Financial. His mission is to educate clients on personal financial, retirement and tax planning strategies and provide them with sound, independent and unbiased advice.

Stephen provides customized strategies to help solve clients’ financial concerns. By analyzing financial and personal circumstances, he is able to help increase income and reduce gaps in the areas of tax planning, investments, insurance and estate planning. He also has experience with strategies on how to reduce taxes on your retirement income without reducing your lifestyle.

Stephen believes he has the professional, moral and ethical responsibility to be transparent with clients during every step of the financial processes. His goal is to share his knowledge of comprehensive financial and retirement planning strategies to help individuals, families and business owners have clarity and confidence in building and maintaining their financial wellbeing.

As the son of two dedicated and passionate math teachers, Stephen learned at an early age that education is fundamental. His desire to help and his education-based approach with clients is a direct result of the values his parents taught him and encouraged throughout his upbringing. To validate his commitment to furthering his education and competency in the advice he provides, Stephen has earned multiple certifications, designations and licenses.

A frequent speaker at professional events and workshops, Stephen brings experience and simplicity to vital and complex topics impacting retirement and tax planning strategies. As the Director of the Spring Lake Chapter of the American Financial Education Alliance (AEFA), he continuously informs and educates adults within our communities about financial matters.