Michael Masor specializes in protecting his client's finances and helping them reach their goals; being the owner of Clearwater Financial Group and being independent, he contracts with multiple companies to bring the best products to his clients. 

Mike has been able to help people of all ages protect millions of dollars in retirement assets, and not a single one has lost a penny from market downturns. When asked about his goals, he said, "It is my desire to give my clients peace of mind that their futures are taken care of; I work hard to find the best rates to make that possible. "I personally customize plans for families' particular situations so they will know their money will perform the way they need it to." 

Lindsey, Mike's wife of 13 years, also works in the business and enjoys the chance to work closely with clients. They live in Houston, Texas, and have two sons that keep them busy with year-round sports; Mike and Lindsey love taking the boys fishing and camping or playing a semi-competitive driveway basketball game.  

Mike's experience, honesty, and integrity are the foundation of his business. His high referral rate directly results from his passion for helping his clients.  

You can hear Mike on Safe Money Radio or visit his website at www.clearwaterfinancialgroup.com

Shawn is a leading provider of retirement planning; he takes pride in offering the best analysis, proven solutions, and qualified service within the industry. Shawn and his team are dedicated to serving the needs of each client every day. He has established himself in the insurance industry for over two decades and works toward achieving each client’s retirement goals. Our business philosophy is our clients always come first.

 Reggie was born where the best-revered health care professionals are born, Manila, Phillipines! 

The daughter of a dentist and a corporate lawyer, she came to the US in 1991 as a young banker turned mortgage professional, and today, a successful Insurance, Annuities, and Group Benefits Advisor. Her "a-ha momnent" came to her in her many years of retirement planning conversations. She found out that the majority of our citizens are especially concerned about not having enough money for retirement. Or outliving their income. Or dying poor! THis led Reggie to become a professional resource to increase the public's preparation for a secure retirement. As a Certified Financial Fiduciary , she agrees to uphold the highest moral, ethical and fiduciary standards of service when providing advice to her potential or existing clients. She lives in Chino, CA with her husband and two daughters. 

Conor’s passion for the investment industry began over 20 years ago at the tender age of 13 during an extracurricular class called Project Business. Conor was tasked with researching and picking an individual stock and following it throughout the semester. During that time, the Yahoo stock he chose increased by 150% and he thought “This seems easy!” When the tech bubble burst in the early 2000’s, he realized there might be a little more complexity to the financial world, but he was hooked nonetheless.

During his first financial services job in the shareholder services department of Eaton Vance in Boston, Conor acted as the last line of defense for clients desperate for advice during the 2008 financial crisis. He could not believe there were so many people who could not get in contact with the advisor that “sold” them the mutual fund they were calling about, and he knew he wanted to change that. Although he watched some of his colleagues become frustrated working with naïve investors, Conor thrived in that environment and enjoyed educating shareholders while “talking them off the edge.” That was when his true passion for the financial services industry was born. He had a strong and consistent desire to help people that continued to point him in the direction of financial advising.

In January 2014, Conor joined his uncle, Mark Bryant, at Bryant Asset Management as a Registered Representative of Commonwealth Financial Network. In this role, Conor advises a growing group of his own clients as well as assisting the firm with research, marketing, and client portfolio construction. Conor has earned one of the highest-level professional designations in financial services as a CERTIFIED FINANCIAL PLANNER™ professional. Conor also holds the CERTIFIED FINANCIAL FIDUCIARY Designation. 

 Securities and advisory services offered through Commonwealth Financial Network, Member www.FINRA.org/www.SIPC.com, a Registered Investment Adviser.

This communication is strictly intended for individuals residing in the state of NY No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.

Tommy Andersen knows the value of staying the course and consistently going the extra mile, day in and day out. And he knows about facing difficult decisions and taking action to ensure the best for his family and clients. After settling down in Southern California, getting married and becoming a father, Tommy’s life changed drastically when he was faced with the decision to raise his children on his own, becoming a single dad to a 2 ½ year-old daughter and newborn son. Suddenly, life changed. “My children needed me and I wanted to be with them. I sold my house, quit a very good job and moved to a less expensive area,” he says. Whatever money was left after paying for childcare, Tommy put toward sales and marketing for his own business. “Those were some lean years in the beginning, but I had faith and trusted God,” he says.  It was at that time, Tommy met his business partner Richard Harrison. The two have been together for over 20 years, a stable and consistent business relationship. Those core values – stability and consistency – are not only among those of which their business foundation is built upon, but also what Tommy and Richard seek to provide to their clients.

Tommy is now married to Alicia and is father to six awesome kids: Sadie Rose, Lucas, Nathan, Gunnar, Lars and McKenzie.  Tommy and Alicia are also grandparents, with two wonderful grandchildren, Jett and his newborn baby sister, Bryce.  When not visiting and meeting clients, Tommy stays healthy with biking, triathlons and CrossFit (rumor has it that he also played rugby back in the day), and he enjoys following baseball and football. He’s also an avid reader and lifelong learner, pursuing continuing education when needed.

Tommy is a graduate of Pierce College in Woodland Hills, California with an Associate of Arts degree. Tommy’s Master of Business Administration degree is from Pepperdine University in Malibu, California. He is a member of the National Ethics Association, a past president of the National Association of Insurance and Financial Advisors and has achieved designation as a Certified Financial Fiduciary® from the National Association of Certified Financial Fiduciaries.

“People choose to work with us because we listen to them,” something Tommy’s father instilled in him while growing up in Brooklyn, New York and Hightstown, New Jersey. “I genuinely care and have been through life and can identify with so many shared and similar life experiences.”

Ms. Mechem is a former auditor at one of the largest accounting firms in the world and works with wealthy families to reduce taxes and improve or create their wealth-building plans.Ms. Mechem is dedicated to guiding pre-retirees and retirees on how to balance investment risks, safely build a strong portfolio, and enjoy a larger lifetime income in retirement. She helps her pre-retirees and retirees gain access to the high-quality, secure, and proven strategies and solutions offered by the largest and safest financial institutions in the country.

Ms. Mechem has been working with employees and retirees who have 20 to 30+ years of service with medium-sized to large companies or who have built up large 401(k) balances. Ms. Mechem helps clients dramatically reduce their tax bills, secure safe lifetime income and maximize retirement benefits. She also works with employees from the public sector who are near retirement or in retirement.Ms. Mechem is also one of the top specialists in the country today for Tax-Free investing strategies. She helps successful professionals and business owners from around the world become more eflcient wealth builders.

Gaby enjoys connecting with people personally, getting to know their lives and stories, and building strong friendships. She excels at organizing resources to create and optimize. She is passionate about working with people so they can live the life of their dreams. She has dedicated herself to doing anything in her power to protect her client's retirement and to build a strong community for her clients. She believes strongly that making a small difference can make the world a better place to live.

Gaby is an action-taker and an achiever. She is a mother of 3, She is passionate about supporting kids and providing opportunities and resources to kids that are disadvantaged.

JoAnn founded Financial Security Group in 1999 with the intent of becoming a one stop business where clients could find answers to the issues that concerned them during their retirement or pre-retirement years. Today her companies are able to provide estate planning, tax preparation and planning and financial planning services to her clients.

JoAnn began her career working for a CPA firm in Texas. The firm specialized in tax and estate planning for wealthy Texas farmers and ranchers.  She discovered a passion for these areas and furthered her education by attending the University of Texas, majoring in accounting and business, fully paid for by the CPA firm she worked for. A few years later, she became an IRS Enrolled Agent, a federally authorized tax practitioner with technical expertise in taxation and empowered by the US Treasury Department to represent taxpayers.  She also became a Registered Investment Advisor to better serve her clients in the areas of wealth management and investment advice.

She moved to Arizona in 1995 and began starting working with a company specializing in Estate and Financial Planning. That experience led her to become licensed by the Arizona Supreme court as a Certified Legal Document Preparer, primarily focusing on Trusts, Wills and other Estate Planning documents. She has been instrumental in assisting thousands of families with the peace of mind knowing that their loved ones are well taken care of.

Over the 20+ years of the operation of FSG, JoAnn and her team have helped many of her clients with their retirement assets. She has been recognized as one of the top female advisors in Arizona. Her strategy is to protect her client’s money, provide lifetime income when needed, and financial security through the benefits of safe insurance products such as annuities and life insurance, as well as managed accounts invested properly for the client’s current needs.

Her commitment to integrity, along with her work habits, make her an asset to her clients and she is often highly recommended by them to their family and friends.

Known for being a trusted Retirement and Business Specialist, Grant’s intuitive abilities and insightfulness allow him to understand client needs. Building confidence and forming relationships over a life time, is part of his core strength.

Grant provides a variety of products to help his clientele meet a number of insurance, retirement and financial needs.

Grants clients are from all walks of life with a focus on retirees, pre retirees, business owners and CalSTRS / CalPERS employees. Grant Sawyer is committed to helping individuals grow their personal wealth safely and securely while obtaining a comfortable retirement in an often volatile financial market place.

Robert Downes is a Certified Financial Fiduciary® residing in Northern Illinios. His specialty is tax reduction and retirement planning with no loss exposure and no fees. 

Since 1989 he has provided knowledgeable and compassionate service to business owners and their families throughout the country. 

Robert's team consists of CPAs, Actuaries, Attorneys, CFPs, and RIAs who are all skilled technicians in their arenas of expertise. Protecting the client's best interest is our focus, with no shortcuts. 

He enjoys walking, resistance training, watching old movies, playing backgammon with his incredibly competitive with of 30+ years, spending time with his grandson, and helping people with their addiction issues. 

We believe goals become irrelevant if you do not carefully plan, execute and remain focused until completion. 

Call us and tell us your goals, passions and struggles. We will help you to plan your work, work your plan, and reap the harvest! 

Experience protection from dying too soon and living too long.