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!
Richard was hired to head up the Senior Services Division at Atlas Advisory Group. This group is an integral part of the “Holistic Planning” process that Atlas employs to help prepare clients for Social Security distribution, Medicare planning, Long Term Care and Retirement Income planning.
Richard works closely with clients to help design comprehensive, flexible financial plans with the goal of wealth optimization. He tailors each client’s investment portfolio to their unique goals and objectives with an intention of minimizing risk. The financial world is constantly in flux and Richard takes pride in educating his clients and their advisors on how the changing investment landscape can impact their ability to plan for the future.
To better prepare his clients in planning for retirement, Mr. Gustafson has acquired the National Social Security Association designation and is a member of NAMSMAP (National Association of Medicare Supplements and Medicare Advantage Producers). Additionally, Mr. Gustafson has been recognized by the Prudential Insurance Co. as reaching the level of “Masters Council” and has achieved’ The A List Gold Sales Award’ from Allianz. These awards are granted based on the sales of insurance products.
Richard graduated from Rutgers University with a B.A. in 1987. He got his start in the financial services industry with Ameritas as a career agent in 2009, and quickly rose to the “Leaders Court”. “Leaders Court” is based on production of sales of insurance products and securities.
He also holds FINRA licenses 7, 63, and 65, as well as, licenses in life, disability, and health insurance.
Jonathan Vasquez is a strategic retirement planner to Los Angeles' top financial services company. Jon serves his clients by educating and explaining ways to maximize retirement accounts to include 403b, 457, 401ks, and IRAs.
Additionally, Jon has advised many state and federal employees on retirement solutions. His unique blend of strategies and discipline has produced a demonstrated track record of successful outcomes for his clients. He is frequently sought after to speak on issues related to retirement planning and how clients can mitigate – and ultimately overcome – significant risk.
As an Air Force veteran, Jon completed 3 overseas tours and continues to help military veterans and local communities.
Jon lives in Thousand Oaks with his high school sweetheart Alexis and 2 young boys, Daxton and Declan. Alexis works alongside Jon, as an Investment Advisor Representative . Working as a team, they provide some of the most unique strategies and ideas for all situations. When not working, they enjoy spending time with family and participating in outdoor activities.
Kelly Lesnick has a diverse background that provides her with many perspectives and experiences. She has worked in all aspects of the restaurant business, retail, banking, dry cleaning, and healthcare. Kelly also served for 10 years in the United States Air Force as a Healthcare Administrator. In the Air Force and all over the globe, she served in medical logistics, group practice management, resource management, and managed care.Today, she applies these experiences to help clients efficiently plan for life goals, manage their financial lives, and create strategies that foster lifelong prosperity.
Kelly lives in Boerne, TX with her husband and General Patton, their super cute American Pointer.She is the American Financial Education Alliance (AFEA) Chapter President for the Boerne area and manages Lesnick Company’s Hill Country location along with company operations, analysis, and design of your desired financial outcomes.
Even interactions with clients who have accumulated significant wealth revealed most were poorly or never educated how to create a perpetual retirement income for themselves and their spouse. Few are preserving, protecting and perpetuating their wealth to their children and charities of they wish to endow.
Specializing in wealth management, retirement and legacy planning along with income continuation plans, Mark offers an array of services depending on your goals. Holding credentials including, FINRA Series 6, 63, 26 and 65, Life and Health Insurance licenses, being a Certified Annuity Specialist (CAS) and being a Certified Financial Fiduciary (CFF), Mark possesses the licensing and tools necessary to assist you in all aspects of financial planning to: Maximize your income today while protecting, preserving and perpetuating your wealth for tomorrow!®
Mark resides with his wife and business partner, Terry Charnet, in Wayne, NJ. Mark and Terry have been happily married for 32 years, and have 4 children. As well as being an accomplished alpine skier, captain of his own boat, pianist and composer, Mark has served on multiple charitable boards and raises money for various charities and organizations across the globe. In Mark’s opinion charitable giving is the world’s best preventative medicine.
Hoyt Robey was born on Long Island, New York, raised in an aviation and farming family in Kansas City, Missouri. He married his college sweetheart, LeeAnn, in Bellevue, WA and is the father of five children and eight grandchildren (and counting!). His mother once said the only thing they had against him is that he is a 'yankee'.
He is an avid outdoorsman, even riding a self supported bicycling tour from Bountiful, UT to the North Rim of the Grand Canyon for his oldest son Jencen's senior trip. In the wintertime you will find him cross country skiing or Fat biking at the Ogden Nordic North Fork trails and in the summer kayaking at Pineview or Causey resevior's. His earlier awards as an Eagle Boy Scout have also helped him to be an active volunteer in the community, giving back with a significant amount of his personal time.
After serving a church mission for two years in Utah he is now thrilled to be Utah resident with the people and mountains that he loves! Most recently he and his wife have fulfilled an 18 month mission serving in the Ogden, Utah, Young Church Service Mission. "What an honor it has been to mentor these Young people with special challenges".
Robert Bute, Certified Financial Fiduciary® , MBA, NSSA
Mr. Bute has been helping investors protect their assets and invest wisely for over 20 years.His practice focuses on helping retirees and those preparing to retire implement a “Living in Retirement Plan” that focuses on protecting their retirement assets, guiding the selection of the right method of creating retirement income that can last a lifetime and guide the selection of insurance products addressing LTC, Health, Final Expense and Estate planning.
Mr. Bute was selected as a 2013, 2014 and 2015 5-Star Wealth Manager.The Five Star Wealth Manager selection is the largest and most widely published financial services award program in North America.Mr. Bute holds the National Social Security Advisor and Certified Financial Fiduciary designations.
Mr. Bute graduated with a B.S. from Nicholls State University and earned his MBA from Tulane A.B. Freeman including International Finance studies in Brussels, Belgium.He served as a Business Analyst for Fortune 500 companies prior to entering into the financial services industry.
After the devastation resulting from Hurricane Katrina, Mr. Bute opened Destiny Investments to help rebuild the future of the individual, the family, and the community.
Robert Bute, Certified Financial Fiduciary® , MBA, NSSA
An active financial consultant as well as founder of Liberty Advisory Group, Peter Laliberte has spent his entire career--more than 25 years--in financial services. Peter has served in the public and private sector as a chief financial officer in the past, including the American Red Cross where is still an active volunteer, but he has been a self-employed entrepreneur since 1996. Peter draws on all of his professional as well as personal experiences to help his company’s clients.
“I have spent the last 10 years of my life focusing solely on income planning for retirees and pre-retirees. The world changed after 9/11, and again after the recession of 2008. I focus on financial security and safety for my clients, because none of us can afford to lose any money ever again,” says Peter. “I watched what happened to my parents who didn’t have a plan in place, and that’s why I am in this business—to make sure it never happens to anyone else.”
Peter holds a master’s degree in business and education from Cambridge College, but in his opinion, he never stops learning. “We are always trying to get better at what we do. For instance, I am part of a mentoring group, acting as both mentor and mentee, where we meet often, sharing ideas and concepts with the goal of continually learning to be better at what we do. That is where The Bucket Plan® was developed”.Peter is an independent licensed Securities Advisor and insurance agent, and is one of the few people in Florida who holds the designation Certified Bucket Plan® Specialist. “The Bucket Plan®” is a trademarked and registered income planning strategy.
Most importantly to him, Peter has been married to the love of his life Tonie since 1995. Peter and Tonie, who is also a financial consultant, have three children: Spencer, Kurtis, and Blake. The family has lived in Ponte Vedra Beach for 21 years and they are all active members of Christ Episcopal Church. They enjoy many beach activities and deep sea fishing together. Peter says, “Our shared mission is to make a positive difference in the lives of everyone we meet. We operate under the 5 “F’s” rule: Family, Faith, Finance, Fitness, and Fun. If you have your 5 “F’s” in order you’ve got it made!”
Jeff has been teaching various Retirement Planning Courses for over 20 years. He has a passion for teaching and helping his clients reach their retirement goals. During his 28 years in the financial services industry, he has specialized in assisting clients preserve wealth, increase assets and income, and implement tax saving strategies. Jeff’s uses holistic planning that considers all aspects and factors that could impact his clients lives in retirement. This approach begins with client education and knowledge of all options for their specific situation. He helps his clients with a flexible type of retirement planning that acts in the client’s best interest and focuses on what is most important to them. Jeff Holmes is an Investment Advisor Representative (IAR) with Virtue Capital Management, LLC, a Registered Investment Advisory firm. Jeff is Series 66 licensed which is a securities license required by most states for individuals who act as investment advisors. The Uniform Investment Advisor Law Examination covers laws, regulations, ethics and topics such as retirement planning, portfolio management strategies and fiduciary responsibilities. He is also licensed in Life, Accident & Health, Disability and Property & Casualty Insurance which ensures that he is knowledgeable with general insurance concepts, insurance policies, provisions, and major tax considerations. Jeff also holds two certifications. He is a Certified Financial Fiduciary (CFF) and a member of the National Association of Financial Fiduciaries (NACFF).* He also has the Certified Estate Planner designation from the American Academy of Certified Estate Planners (AACEP).** He is active in his church and enjoys spending time with his family, exercising and playing tennis. His degrees include a Bachelor of Science degree in Civil Engineering Technology as well as a Master’s of Business Administration from New Mexico State University (NMSU). During his college years, he played for the NMSU tennis team. Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Assured Financial LLC are independent of each other. * The CFF (Certified Financial Fiduciary) designation is granted by the National Association of Certified Financial Fiduciaries. ** The designation Certified Estate Planner is issued by the AACEP
Megan D. Muccio, CPA and Certified Financial Fiduciary ® is the VP of Investment and Accounting Services at Craig James Financial Services. She is the in-house CPA advisor, with a focus on client tax preparation services, advisory services and expanding the company’s ability to provide clients with overall comprehensive financial advice. In addition to a CPA, she is also a Series 7 and a Series 63 Registered Sales Assistant.
Megan started her career in public accounting at Mazars as an audit and tax associate, with a focus on the manufacturing and distribution industries. Prior to graduating college, she also volunteered for the IRS Volunteer Income Tax Assistance Program in Ithaca, NY to help low to-moderate-income clients prepare their personal tax returns. While at Mazars, she worked on private clients, providing well-rounded services in audit and review work, tax preparation and bookkeeping services for select clients. She then transitioned into the Internal Audit group at Henry Schein where she focused more on financial audit and internal control testing of the company and their subsidiaries. She received her Certified Internal Auditor designation while working at Henry Schein and also worked independently as a tax preparer throughout her professional work years.
Megan graduated summa cum laude from Ithaca College in 2011 with a double major in Accounting and Business Administration with a concentration in Finance and a minor in mathematics. While in college she was a Beta Gamma Sigma National Scholar and was invited into Beta Alpha Psi and Phi Kappa Phi for her achievement within the business school and her graduating class. She also spent a summer studying in London, and after graduation continued her education at Hofstra University with additional graduate level accounting courses. Megan was born and raised in Wantagh, NY and currently lives in Commack, NY with her husband.