Robert Downes is a Certified Financial Fiduciary® residing in Northern Illinois. 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 arena 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 wife 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 is 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. 

Ronald M. Ivanick, LUTCF, CFF, CDAA

Family Financial Services, LLC

Crown Capital Securities, L.P.

Independent Certified Financial Fiduciary

Registered Investment Advisor

General Securities Principal

Certified in Digital Assets

Licensed Series 7, 24, 66. & 65

Family Financial Services, Founder, Pres./CEO Independently Established in 2002 to provide the “highest level of advice and service, regardless of a client’s portfolio size”.  I personally work with every client and it’s my privilege to help them to accumulate wealth, protect it and ultimately provide lifetime income in their retirement.  As a trusted advisor to many for the past two decades.  I see successful long-term client relationships as a hallmark of good advice.

*Securities offered through Crown Capital Securities, L.P.  Member FINRA/SIPC

Family Financial Services Corporate office is registered in Wenatchee, WA.

Providing Fiduciary Advice to Individuals, the Self-Employed and Independent Small Business clients in:  WA, OR, CA.

By appointment only.  Virtual or in-person meetings are my pleasure and new clients are always welcome to contact me.  I am currently licensed and travel within WA, OR, and CA.

My expertise is in: Proper asset selection and strategic portfolio construction specializing in equity assets, fixed income, and alternatives with a focus on Growth, Income and Protection.

Ron is 10+ years happily married, together we’re parents to one fur baby and both fans of live music and performances, traveling, dining and azure ocean views.  A long-time member of two nationally known charitable organizations and the past member of several non-profit board of directors.

If you appreciate clear and candid advice based on decades of experiences, business done with old fashioned integrity, dedication, and confidentiality you need look any further.

You can reach me easily the following ways:

Phone (360) 425-6330 or (509) 421-1051

Toll Free, (888) 475-0556

Email, rivanick@crownmail.net

Website, www.FamilyFinancialServicesWA.com

Shawn Contento is a co-founder of Radicle Wealth Management. She began her financial advisory career in 2001 with Diversified Financial Concepts before founding her own firm in 2011, Contento Financial Planning. Shawn attained the Certified Fund Specialist designation in 2012, and her Certified Financial Fiduciary® in 2021. Prior to her career in financial services, Shawn worked in education for 18 years.

For more information regarding Shawn’s background as an investment professional, please visit FINRA’s BrokerCheck.

You could say Joe Esposito inherited his relationship skills from his mother who worked in the education system and his grandfather, who worked in financial services. Both were highly regarded for their integrity and personable style. Building strong relationships with a concierge-level of service is the foundation of Joe’s work with clients. Whether it’s collaborating with them on their planning and investments, helping them understand the performance of their investments, or fielding questions regarding big life decisions, Joe makes himself available whenever his clients need him.

Joe’s career kicked off after graduating from Denison University with double bachelor’s degrees in economics and psychology. His job as a sales representative had him selling all manner of hospital products: from what a patient wears to surgical equipment, and anything you might find in a medical setting. With a personal motto of “one life, one chance, no regrets,” he decided to leave that industry to pursue both his entrepreneurial aspirations and a strong drive to make a positive impact on peoples’ lives. That’s when Joe founded his financial services practice. He has spent more than 30 years serving everyone, from missionaries to millionaires, who approached his firm for guidance.

Joe holds his FINRA Series 7, 63, 65 securities registrations, and is a Certified Family Business Specialist (CFBS) and a Certified Financial Fiduciary^® (CFF^®). He also holds health, life, and long-term care licenses. 

Joe remains proud of the advisory firm he helped build with Keith Kiker, including the welcoming culture and long-term associates who have served their clients with robust planning and a heavy dose of empathy. He points to teamwork as the reason why EK&A successfully serves clients and builds lasting relationships. Joe knows the power of solid teamwork. He was a starting teammate on the 1985 undefeated Denison University football team that rolled to a 10-0 regular-season record, the college’s first-ever North Coast Athletic Conference championship, and a berth in the NCAA Division III playoffs. 

When it comes to his free time, Joe loves to spend it with his immediate and extended family. Joe is married to his wife, Trina of 29 years. He has a son, Parker, who also graduated from Denison University, and three daughters, Payton, attending the University of Dayton, Baylor, in search of what’s next, and Mayson, a sophomore at Fenwick High School. 

Joe enjoys family vacations to different destinations. He also visits his extended family in Ohio, up on Lake Erie, where he grew up, and has many fond memories.

For over 30 years Joe Carreno of The Retirement Advantage, has helped individuals and small businesses navigate the employee benefits and retirement planning arena.

Specializing in the Federal Employee Retirement System benefits (FERS) and  State of Florida Retirement System benefits (FRS) as an independent advocate, Joe is an affiliate of TSP Withdrawal Consultants and Public Sector Retirement Educators, a Federal Contractor and Registered Vendor to the Federal Government, Vendor-UEID: JBDWEDVYLQJ1 / Cage: 7ZEB0

Joe will help you understand your FERS Benefits, TSP Withdrawal & Pay-Out options, as well as the FRS Benefits and DROP Account Pay-Out options in detail while recognizing & maximizing all concurrent alternatives available.

“My primary goal is to guide you into retirement with no regrets; Safe, Predictable, Stable, For Life. I look forward to visiting with you.”

David Pierce is Assistant Professor of Insurance & CLU Program Director at The American College of Financial Services. He holds the Charles J. Zimmerman Chair in Life Insurance Education.

He is a 40+ year veteran of the insurance and financial services industry, progressing through the ranks from Agent and Advisor to CEO.

He built successful teams and winning strategies in sales, management, marketing, communication, and leadership throughout the United States, Southeast Asia, India, and New Zealand.

David created the original “Life Insurance Awareness Week” sales campaign. All rights were granted to LIFE HAPPENS and the concept is now recognized as the life insurance industry’s annual “Life Insurance Awareness Month”.

He also led the team that created and launched "The AIA Financial Health Check" in 2005, Southeast Asia’s first-ever Needs Based Selling system, still in use today.

His book Five Pillars of a Tremendous Life was first published in 2009 and was selected by Amway International as a Book of the Month.

David holds a BA degree from American University, a Master of Science in Financial Services and a Master of Science in Management from The American College of Financial Services, and a Master of Arts in Communication from the University of Minnesota.

He earned the AEP designation from the National Association of Estate Planners & Councils, the CLU, ChFC and CLF designations from The American College, and the Certified Financial Fiduciary designation from the National Association of Certified Financial Fiduciaries.

David taught at Middle Tennessee State University as Adjunct Professor of Business and Economics, and at Western Kentucky University as Adjunct Professor of Business and Professional Communication.

John Stevenson, a prominent wealth protection educator, has been able to help thousands of people successfully strategize for retirement. With retirees living longer and retiring earlier, having a retirement income that cannot be outlived has been a growing concern for many seniors. His clients include teachers, business owners, executives, doctors, and entrepreneurs to name a few. Not a single client has ever lost money due to market fluctuations.

John is also an expert in structuring Tax-Free Retirement Accounts, which help his clients build wealth safely, and enjoy an extremely low tax burden, or even zero taxes in retirement. His services focus on helping people Retire On Purpose, and not just leaving it to chance.

As an avid educator, John actively teaches classes on social security, estate planning, and retirement tax planning in universities and colleges throughout Nevada. He’s also a well-known Retirement & Income Radio host with thousands of listeners who tune in each week to learn from him.

John knows the importance of helping seniors and families protect against financial downturns, have income they can’t outlive, and minimize taxes. He has recently been published in numerous publications with millions of readers worldwide such as Think Advisor, Annuity.com, The Annuity Associates, Retire Village, YFS Magazine, and others.

Blessed with a beautiful wife and 5-children, John is the happiest when he is able to spend time with them. When he’s not helping seniors and families, he is with his own family, or somewhere exploring in the Sierra Nevada Mountains

Interesting Facts:

Favorite Film: Pirates Of The Caribbean

Best Joke: “Any Knock-Knock joke my kids endlessly pull on me”

Favorite Ice Cream: Cookies n’ Cream

Best life hack: Plant, Cultivate, Harvest

Scouting: Eagle Scout

Service: Served a 2-Year Mission for The Church Of Jesus Christ of Latter-Day Saints in the South Dakota Rapid City Mission

Hobbies: Hiking, Skiing/Snowboarding, Mountain Biking, Youth Mentoring

Singing: Avid singer and professionally trained by Seth Riggs (MJ’s personal coach for many years)

Family: Married 14-years with 5 children

Josh Karasow is President and CEO of Glory Financial. Since 2001, he’s been helping retirees and those nearing retirement develop plans that provide safety from market losses, tax reduction strategies, guaranteed lifetime income, social security maximization, fee avoidance… just to name a few. He’s a member of the Ed Slott Advisory Group, a Certified Financial Fiduciary and holds a National Social Security Advisor certificate. 

He and his wife Nicole have four amazing kids, Alex, Bella, Jackson and Zach. And when they’re not attending their kids’ sporting events, the Karasow family enjoys spending time together outdoors, playing games, watching movies and attending their local church.

I am a 39 year veteran of the financial services industry and have built a successful planning and investment management practice.  Previously, I spent 26 + years helping mutual fund companies, insurance companies, and money managers build and market world class investment solutions to individual and institutional investors. I graduated Cum Laude in 1983 with an MBA from Southern Illinois University and hold the designation of Certified Investment Management Analyst (CIMA®) awarded by the Wharton School of Business in Philadelphia, Pennsylvania. In addition, I am a Certified Financial Fiduciary®, bound to put your financial interests above everything else.

We are committed to providing the very best in planning and investment advice, in a way that is actionable and easy to understand.

The Financial Planning process is like a bicycle. The rear wheel is the engine which is represented by your investments and income sources, which include earnings, pension plans and Social Security. The front wheel directs the bike to where you want to go. You tell us where you want to go, and how fast you want to pedal, and we will build a solid framework to hold it all together and find the route that is right for you.  From that point forward we will continually monitor and meet with you regularly to provide status updates and make changes or adjustments to tune the bike up when needed or if your goals and objectives change.

Securities offered through Securities America, Inc. Member FINRA/SIPC

Advisory Services offered through Securities America Advisors, Inc.

Pathways Financial and Securities America are separate entities.