Finding a financial professional you can trust is key to achieving a successful retirement.
Certified Financial Fiduciaries® are sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. By choosing to work with a Certified Financial Fiduciary® you can be confident that your best interests will always come first!
John Ripley, Certified Financial Fiduciary®, CLTC®, FRC℠, ChFEBC℠
As professionals, we share a common passion for helping individuals and families plan for a secure financial future. Our highest priority is to create personalized solutions that provide our clients with predictable, reliable, and sustainable income that is secure and durable throughout our clients’ entire lifetimes. Influenced by leading experts and the industry’s most educated minds, we’re determined to serve others to the highest fiduciary standards, consistently placing our client’s best interests ahead of our own.
Our team has been serving clients for several decades combined, and we are honored to experience the joy of helping people improve their lives. We have a standard of care, excellence, and kindness that our entire team lives by every day. As a fiduciary firm that continues to grow, each with specialties to serve clients across the United States and abroad, we champion the message that Income Is The Outcome That Matters Most In Retirement.
John has been serving clients in the financial services arena since 2003, when he launched a mortgage company in Orlando, Florida. He hosted a financial radio program, “Your Home, Your Money,” heard across Florida for many years. Now, as a nationally recognized and sought-after seminar speaker, John shares a message of hope in a fun and compelling way. He also serves our team as the principal communicator at our Retirement Income Workshops held across the U.S., where we teach business owners and attendees from all sectors how to create streams of predictable and reliable lifetime income.
John served as a United States Marine Officer and is honored to be an Investment Advisor Representative at Smarter Retirement Solutions leading our team of advisors across the country. As our company grows to meet the increased demand for quality and thoughtful retirement advice, John provides oversight of our expansion both domestically and internationally. A proud sponsor of federal retirement workshops around the U.S., John empowers federal employees to maximize their benefits and live their retirement dreams. John appears in this year’s “Retirement Planning” edition of Kiplinger’s Magazine and can be seen on ABC, CBS, NBC and FOX on the “Retire Happy Hour” TV program.”
John Ripley, Certified Financial Fiduciary®, CLTC®, FRC℠, ChFEBC℠
Jason Bleick is a wealth strategist, real estate investor, and a man on a mission to help people reduce their financial stress, and change their money mindset, so that, they can make more of an impact in the world and leave a legacy.
Jason had a wealth shock 10 years ago which was the catalyst to begin researching, studying, and trying many different financial products and strategies to eventually find low-stress and predictable ways to build wealth. Now, Jason is the owner of the financial firm Golden Rule Wealth. He is helping individuals, business owners, and real estate investors, create sane wealth strategies that are proven, predictable and tax-efficient, and unknown to the “typical” financial advisor and planner, which helps his clients reduce financial stress and take back control of their financial future.
David Gianna has been in the financial services industry for a short time after retiring from an active-duty military career of over twenty years in 2022. His passion is with helping families protect their loved ones with products and services in the final expense, mortgage protection, and retirement planning landscapes.
David is currently an independent broker with over twenty insurance carriers, on the path to becoming a Certified Life Underwriter from the American College of Financial Services, and prides himself with continuing his education to ensure his clients receive the best care.
David is a proud Father of two and currently resides in Simi Valley, CA. His hobbies include helping his Son hone his little league baseball skills, playing online games with old military friends, and training at the gym 3-4 times a week.
With more than 25 years of investment and financial market experience, Tim has both traded and managed trading desks for large financial institutions and has worked with the highest-grade institutional clients from leading investment banks.
In 1994, Tim began his career trading Fixed Income and FX products at Bank of America, London. At BGC Partners, Tim ran the product range for the Interest Rate Options area across both the London and Asian markets. His teams achieved multiple Risk Magazine industry awards for innovation and excellence in interest rate derivatives. Tim is qualified as a BA (Hons) BA and a Registered Investment Advisor.
Tim founded Altior Capital with the idea to pass on his knowledge and experience of investing and wealth management to his clients. His client centered data-driven approach to wealth creation and preservation is focused on those who demand fiduciary responsibility and unbiased investing advice.
Over the last 16 years, Tim has had the pleasure of working with thousands of clients. They all speak highly of his integrity, humility, skilled knowledge, and laid back demeanor that resonated to each of them upon meeting with him and throughout the transaction process. His tremendous love and passion is very apparent as he helps to provide all his clients with the necessary financial and insurance planning tools to insure against any unexpected future life event. This proactive approach makes sure that existing and future generations will inherit a sense of financial stability.
Tim and his wife Judy have been blessed with 33 years of marriage and reside in the Raleigh, NC metro area. They have two amazing children, one son and one daughter, along with four rambunctious grandchildren. Prior to Tim’s financial advisory and insurance career, he and Judy owned multiple highly successful businesses in real estate, retail, and a wholesale distribution company. His life balance is built around his faith, family, friends and the lifelong relationships he has forged with his clients over the years. When he is not meeting with clients, Tim enjoys spending time relaxing with his family, attending church functions, golfing, lifting weights at the gym, or playing in softball leagues.
At the initial discovery meeting, he seeks to gain an in-depth understanding about each client’s financial needs, current insurance coverages, and personal retirement goals. After the initial fact gathering meeting, he will then perform an extensive analysis of the information obtained in order to provide you with the best solutions/options to help you achieve your desired outcome throughout your retirement years. He utilizes his expert knowledge and numerous licensed certifications to help provide the families and businesses he serves with innovative financial strategies and sound solutions. His well defined plans will result in financial clarity, security, and peace of mind for you, the client.
He and his team of experts welcome the opportunity to earn the trust of anyone looking for assistance with qualified plan rollovers (IRA,401K,403b, and TSP), long term care protection/planning, asset protection with no market risks, retirement income planning, life insurance/family legacy planning, tax free income strategies, Medicare supplemental insurance, social security maximization, etc. Once you personally schedule a meeting with Tim, you too will have a much better idea of how he can help you address any of the issues you have concerns about and the best solutions to give you the peace of mind you innately deserve.
Cayla Dee is a traveling Financial Professional who splits her time between Texas and California. Although she is primarily based in Texas, she holds her Life, Accident and Health license in multiple states throughout the United States.
Her financial focus is on Indexed Strategies that help protect your wealth. When it comes to retirement planning, she will guide you towards proper and strategic asset distributions that allow you to transition into retirement stress free and prepared. She also helps navigate you through proper budgeting, and saving techniques to help be prepared for the financial plans you have ahead.
Being an educator at heart, she strives to increase her clients financial literacy and investment knowledge to help them make powerful and informed decisions for their future.
As a younger financial professional, "I strive to encourage my generation and our future generations to start building wealth early, protecting their assets, and spreading financial awareness. Building financially independent individuals who can retire early and enjoy a lifestyle tailored to their aspirations and goals is a focus of mine".
Away from work Cayla Dee enjoys spending quality time with my nieces in Texas as well as exploring the culinary world by cooking in different countries and trying new cuisines. She also spends time outdoors exploring the mountains and beaches of California.
Victoria Marshall entered the industry in 1994. She later founded her company in Redlands, California, in 2003 and since that time, Marshall Insurance and Financial Solutions has served its clients with compassion and forethought. As an advisor, Victoria is insightful & compassionate, and dedicated to listening to what her clients need.
Kraig Carpenter is the Founder and Registered Principal of El Camino Real Financial Advisors. In 1991, Mr. Carpenter started his professional training with Merrill Lynch & Co. Kraig has extensive knowledge in financial planning, insurance, investments and retirement. Kraig attended University of California, Davis and studied Business Administration. He continued his studies at the Donald T Regan School of Economics while at Merrill Lynch & Co. As the Registered Principal at ECRFA Kraig has passed the FINRA Series 6,7 & 24 and NASAA Series 63, 65 and 66 registrations. Kraig is a licensed California Insurance Broker and is insurance licensed in many other states as well. Kraig has been in the financial services industry since May 1991.
Joel has been in the financial services industry for the past 30 years after graduating from the University of Alabama in 1992 with a Bachelor of Science in accounting. After practicing as a Certified Public Accountant for the first decade of his career with Wilkins, Miller, P.C. in Mobile, AL, Joel assumed the role of Chief Financial Officer of a multi-state holding company called IPC Industries, Inc., also based in Mobile. For the next dozen years, Joel worked for several different large investment companies (Hartford Life Insurance Co. and Cantor Fitzgerald, L.P., e.g.) to assist with securing capital for their lines of investment products. In that role, he acted in an advisory role to many financial advisors/planners across the southeastern United States. He received his Certified Financial Planner designation in 2011 and has been assisting individuals and families with holistic financial and tax planning for many years. He is married to his wife, Kara, and has had the benefit of being the father of two lovely young women, MaryGlynn, 18 and Tanner, 16. Joel is very involved in the Big Brother/Big Sister program. When not working or volunteering, he enjoys watching the Tide play, taking his trusted dogs, Oliver and Shiloh, on hikes at Red Mountain Park, and playing golf.
Little known fact about Joel: “I was the official scorekeeper for the Double-A Padres affiliate baseball team, Mobile BayBears, in 1997 and 1998. I also juggle (and am not bad at it).”