As a financial professional with 18 years of experience - including managing multi-billion dollar budgets and financial plans for a private company—I understand the frustration of feeling lost in retirement planning.

 My path began with my own struggle. Like many people, I was diligently saving but had no concrete plan for turning those savings into reliable income. Fed up with generic calculators and lack of personalized guidance, I decided to take matters into my own hands and learn comprehensive retirement strategies.

 Now I help others take charge of their own retirements and I focus on protecting and growing wealth while ensuring clients never run out of income during retirement. Using my personalized process and proprietary Income Forecaster tool, I provide clarity that transforms financial anxiety into confidence.

 Rather than relying on traditional "ride the market" approaches, I help clients create guaranteed income streams, minimize taxes, and protect wealth from market volatility. I show exactly how their money will work for them, creating a clear roadmap to retirement security.

 My mission centers on three core principles:

- Solving real problems with practical solutions

- Creating personalized strategies tailored to each unique situation

- Providing peace of mind to truly enjoy retirement

 My background in managing billion-dollar budgets has equipped me with skills to tackle both big-picture goals and intricate planning details. I believe your story is unique—so is my approach to your financial future.

 If you're seeking more than generic advice, I'm here to help build a retirement plan that truly works for you.

Andre is a Certified Financial Fiduciary® who has worked in the financial arena since 2008. Since then, he has helped protect the assets of hundreds of clients. He has access to a broad diversification of products and services that allow him to offer sound advice on asset protection and growth. Andre is committed to educating his clients and building a long term relationship of success in reaching retirement goals.

Andre served his country several years in the US Army at the Pentagon while stationed at Ft. Myers, VA. From there he completed his Bachelor’s Degree in Computer Science and Business from Troy University.  He makes his home in Lawrenceville, GA with his wife Gail of 28 years and their 2 children.

Hi! I am Margaret Harris. Our family moved to Plymouth in 1977 and lived at the corner of Starkweather and Farmer in Old Village until 2000. From 1994 to 2001 I lived in Chugiak and Eagle River, Alaska and then returned to Michigan. Settled into Plymouth again in 2009 after marrying Charlie Harris. My background as a certified medical assistant has provided me with insights into the world of insurance that have been very helpful! I have had a Life insurance license since 2006. Updated for Health and Medicare in 2020. Certified for Medicare on and off the Marketplace and recently became an RSSA, Registered Social Security analyst.  I work with many carriers to find suitable coverage for your Health, Life, and Medicare plans.   2025 is an awesome year as my granddaughter was born in March!!    My most recent certification is as a CF with NACFF as a Certified Financial Fiduciary®.

Adam Elesie founded Elesie Retirement to provide clients with a truly client-first approach to financial and retirement planning. After working in large corporations, he realized that being a true fiduciary—always acting in the client’s best interest—was impossible when limited to offering only proprietary products. He envisioned a firm that could offer personalized strategies and independent guidance, putting their clients’ needs above all else.

Adam brings 14 years of financial industry experience, during which he has helped thousands of individuals and families plan their retirement journeys. From preparation to taking the leap and navigating the complexities of retirement years, Adam specializes in creating tailored retirement income plans and strategies to meet each client’s unique goals.

Ben is a CERTIFIED FINANCIAL PLANNER® professional and a Certified Financial Fiduciary®. Ben began working with Cornerstone Wealth Planning in 2023. Before joining Cornerstone, he worked in an Advisor support role for Vanguard. Prior to that, he worked in project management and operations for Chick-fil-A and other companies. He desires to help clients achieve their goals and experience a purposeful and peaceful retirement through personalized financial planning.

Ben is a Charlotte native and graduated from The University of North Carolina at Charlotte with a degree in Accounting. Ben and his wife Moriah have one son, Lee, born in 2023. They attend Mercy Church and actively serve in various capacities at the Union County location.

Celeste has been working in the financial industry since 1999. Celeste holds Series 7, 24, and 66 securities licenses as well as life, accident, and health insurance licenses. Celeste holds the Retirement Income Certified Professional, the Certified Financial Fiduciary® designations and is a three time Five Star Wealth Manager award winner 2020-2022.

Alicia G. Pryor, Certified Financial Fiduciary®

CEO, DNA Financial & Associates

Alicia G. Pryor is a Certified Financial Fiduciary® and the CEO of DNA Financial & Associates, where she leads with integrity, transparency, and a deep commitment to putting clients’ best interests first. A retired U.S. Air Force veteran with 22 years of honorable service, Alicia brings the same discipline, ethical standards, and dedication to service into her financial practice.

With a mission to level the financial playing field, Alicia empowers individuals and families through education, guidance, and personalized financial strategies. She specializes in simplifying complex financial concepts, helping clients make informed decisions that align with their goals and values. Whether through one-on-one consultations, workshops, or community seminars, Alicia equips her clients with the tools to mitigate risk, build wealth, and achieve long-term financial security.

Credentials & Professional Designations

Alicia holds multiple industry-recognized certifications, including:

• ✔ Certified Financial Fiduciary® (CFF)
• ✔ Accredited Tax Professional (ATP)
• ✔ Certifying Acceptance Agent (CAA)
• ✔ Licensed Life Insurance Agent

These credentials reflect her commitment to ethical financial stewardship and her ability to provide comprehensive, client-centered financial solutions.

Leadership & Community Engagement

Alicia’s leadership extends beyond her firm. She currently serves as:

• Treasurer, Sisters 4 Sisters Network, Inc.
• Treasurer, Open My Heart Foundation

She is also a founding member of the John Maxwell Team as a certified coach, teacher, and speaker, and serves as president of the National Harbor Chapter of Business Network International. Her entrepreneurial excellence was recognized through her participation in the NASDAQ Milestone Circle program.

Recognition & Awards

Alicia’s impact has earned her numerous honors, including:

• Honorary Doctorate of Christian Leadership, School of the Great Commission Theological Seminary
• 2024 Presidential Lifetime Achievement Award

Personal Commitment

Alicia is a devoted wife, mother of six, grandmother of seven, and great-grandmother. Her personal and professional life is rooted in service, education, and empowerment—making her a trusted partner for those seeking ethical, knowledgeable, and compassionate financial guidance.

Insurance Services

DHJ Insurance Agency, Inc.

51 East Campbell Ave, Suite 400D, Campbell, CA 95008 and 1900 Camden Avenue San Jose, CA 95124

Telephone: (408) 775-7475 - Email: dwight@dhjinsurance.com

Financial Planning Services

Completed Certified Financial Planner (CFP) courses and earned the CFP designation in 1981, completed all courses for Kingdom Advisors Designation in December 2019. Dwight Johnson maintains an unwavering commitment to staying up to date in his field through regular continuing education.

Educational Background

Bachelor of Arts Degree from University California of Berkeley, 1972

Completed all CFP courses at the College of Financial Planning, receiving CFP Designation in 1981, Acquired Kingdom Advisors Designation 2019.

Continuing Education

Dwight continues to develop his professional skills through a series of National Underwriter and Research and Review courses in key areas such as Pension Plans, Estate Planning, Trust Planning, Investment Planning, and Business Insurance. In addition, he has attended Safeco Excess Loss and Advanced Group School and is a Life Underwriter Training Council (LUTC) Graduate. His education also extends to 401(k) and Retirement Plan Design, Employee Education, Pension Administration, Executive Compensation, and International Tax Planning. Safeco School of Excess Loss Graduate. Alternative Funding and Risk Retention (Business and Personal)

Education Instructor

Adult Education Instructor for The Living Trust Workshop 1998 – to current date. The Long-Term Care Workshop 2016 to current date.

Professional FINRA Licenses

DHJ Executive Financial Network, Inc: Broker Dealer Registration Pending                                 Dwight H. Johnson: Securities Principal (Series 24) and General Securities Representative (Series 7)  

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California Department of Insurance

DHJ Insurance Agency, Inc: CA LICENSE # 0K71289 - NATIONAL PRODUCER # 17836679 is fully licensed with the California Department of Insurance, possessing qualifications in Property and Casualty, as well as Life and Disability Contracts. Fulfilled all associated continuing education requirements for the above.

Community Outreach

Past President of the Board of Directors for United States Tennis Association Northern California Section. First African American elected President of the Board of Directors. Pueblo Health and Educational Programs Community Service Business of the Year, Pueblo Health and Educational Programs Businessperson of the Year. Adult Education Living Trust Workshop and Long-Term Care Workshop Instructor for: Eastside School District, Metropolitan School District, Senior/Community Centers City of San Jose and the Timpany Center County of Santa Clara.

After high school, I knew I wasn’t ready to be a serious college student, so I entered the full-time workforce. It was during this year that I learned if I wasn’t going to further my education, I needed a skill set that would be in demand and transferable throughout my life. That’s when I decided to join the United States Air Force. After serving in support of the First Gulf War, I came back to Western Massachusetts with a renewed purpose and direction. Having been trained and licensed as a heavy equipment operator, I now had a skill set to fall back on as I pursued my college education. I had begun working full-time on the third shift at a paper mill, simultaneously becoming a full-time college student during the day. Shortly before I was set to graduate, my mother was notified that she was going to be downsized after 25 years with the same company. Her plan before that was to work five more years. Unfortunately, we all know that things don’t always go as planned. This news created immediate stress in my parents’ household.

Thankfully, my mother had saved in her 401(k) plan. There was also a profit-sharing plan that was quite robust until hard times hit the company. My father was an entrepreneur who had expanded his business into commercial real estate in the late ’70s and early ’80s. The housing collapse in the late-1980s nearly wiped him out. Shortly after my mother was downsized, she was notified that she needed to do something with her retirement plan. I could tell that these major life transitions were worrisome to them both. Never having really engaged an advisor, they didn’t know if they had properly planned for the future. They were referred by a friend to a trusted advisor, where they learned that although not a planned life event, past years of disciplined saving and modest lifestyle would allow them to maintain their independence in retirement. I could tell there was a sense of immediate relief associated with what had been the stress of the unknown. It was at that point that I decided I wanted to work with people in a similar fashion. I began looking for opportunities in the financial services industry.

I transitioned from college graduate to a position with a MassMutual General Agency. During this time in the agency, I learned the ins and outs of life and disability insurance. I also discovered the importance of life insurance in financial planning. Wanting to learn more about the industry in general, I transitioned to Cigna Bank & Trust. It was at CB&T that I began working with beneficiaries of corporate-owned life insurance policies. In most cases, widows, and widowers. Most times, these people had no direction for moving forward. This is where I learned to appreciate a solid financial planning process. I truly enjoyed the gratification of helping people during one of the most difficult times of their lives. Although I thrived during my time at Cigna Bank & Trust, the one-hour commute each way began to take its toll.

Wanting to help business owners and families develop solid financial plans, I began looking for opportunities closer to home. After a short search, I transitioned to assistant vice president of investments and insurance for Peoplesbank in Holyoke, Massachusetts. This allowed me to work close to home and become more involved in my community.

Having formed many meaningful relationships with bank staff and clients, I was still searching for that missing piece. My entrepreneurial mindset gave me the confidence to transition out on my own. I had formed SFG, Inc, and began working in partnership with Pension & Benefits Associates, Inc. (PBA). It was during this transition that I would meet the love of my life and future wife, Heidi.

Heidi was an operating room nurse and had spent many years at Massachusetts General Hospital as well as at Mass Eye & Ear before accepting the same position at Cooley Dickinson Hospital in Northampton. Heidi and I would marry one year after meeting and begin our lives together. We began making plans for our future, and for the next seven years, we would both excel in our chosen professions. Life was good, and everything was progressing as planned.

We sold our condominium and bought our “forever home” in South Hadley. We rescued our dog, Maximus, from a shelter, and he became family right away. On June 2, 2017, Heidi was terminally diagnosed with cancer. On August 13, 2017, Heidi, my best friend, soulmate, and partner passed away in our home.

During the previous decade, my practice had expanded from wealth management to advising business owners on their fiduciary duties associated with their company 401(k) plans. In partnership with Pension & Benefits Associates, we were providing advice and education to more than 60 business and 3,000 participants.

To say Heidi’s passing would make for my most difficult transition to date would be an understatement. Tragedies often lead to an internal audit and review of priorities. I have spent the last year evaluating what is most important to me going forward. Where will I find the most purpose in my life? I’ve sought counsel from mentors, trusted colleagues, and close confidants. From this came an idea—and a decision. I would narrow my focus back to where it all began. From my parents’ kitchen to Heidi’s passing, I have been reminded of the good work we do for people in transition. Whether it’s a wedding, a new home, a first child, a career change, or the passing of a loved one, we are always in a state of, or planning our next, transition.

Heidi decided on nursing after caring for her grandmother who passed from ALS. I decided on financial planning after my mother’s unexpected downsizing. Perhaps that’s why Heidi and I were drawn together, to help make people’s lives better through our chosen professions.

Heidi and I had hoped for the best but planned for the worst. Proper planning is why my next transition is possible. It’s why I can share my story with you, and countless others, now and in the years to come. Planning for life’s ups and downs is why The Wealth Transition Collective was created. We hope you will think of us when you are planning for your next transition.

Warmest regards,
Gregory R. Sheehan, AIF®