Finding a financial professional you can trust is key to achieving a successful retirement.
Certified Financial Fiduciaries® (CFF) 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!
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".
Joseph lived his young adult life in the service of his country and community. As a United States Airman and Texas Firefighter, He brings that passion and spirit of service with his experience in financial services. Mr. Crawford believes that through the power and efficiency of a well balanced team of specialist we are able to achieve any goal no matter how unattainable it may seem.
It is with that ideology, Total Wealth Design was created. Money can be earned, but Wealth is Designed through educated planning and intentional actions
Every person, family, and business is unique and when it comes to your business & finances, J.W. Crawford Financial understand that to also be the case. Mr. Crawford has partnered with a team of Funding Partners, Business Brokers, CPA's, Attorneys, & Advisors, who's sole purpose is to help you develop and maintain a comprehensive wealth plan, designed to meet not only your income goals, but create control in your finances today. Our multi-faceted team of specialist take a personal approach to every design. As a Certified Financial Fiduciary® (CFF) your financial security and peace of mind is Joseph's 1st priority. J.W.Crawford works with each client much like your physician. To examine and review the whole picture, J.W. Crawford Financial looks at your present state and works with you to design the optimal outcome for you.
“Total Wealth Design is a quality program that, when all is said and done, improves
your control, lowers the cost of growth, and builds stable and predictable wealth."
— Joseph Crawford
Total Wealth Design for many entrepreneurs and organizations simply means a measure of quality that strives for near perfection. Total Wealth Design is a disciplined, system-driven approach and methodology for eliminating leaks and loss in any financial plan. From transactional growth to hands off passive accumulation and from the board room to the kitchen table.
● Total Wealth Design's aim is to eliminate waste and inefficiency, or “leaks” thereby increasing financial independence by delivering exactly what you expect through Educated Design, Intelligent Planning and Intentional Actions.
● Total Wealth Design follows a structured methodology, and has defined roles for each dollar in your wealth environment.
● Total Wealth Design is a system driven methodology, and requires specific and strict adherence to the process design.
● Total Wealth Design is about putting results in your Pocket not just on your Financial Statements.
● Total Wealth Design is outcome-driven, multi-dimensional, structured approach.
Total Wealth Design offers four major benefits the successful & wealthy understand:
● Generates sustained success
● Sets a performance goal for every dollar in your wealth environment.
● Accelerates the rate of improvement
● Executes strategic and systematic improvement
Total Wealth Design offers four major benefits for those just starting their journey:
● No net-worth requirements
● Fast integration
● Easy to understand systems
● Scalable Processes to improve your quality of life no-matter your starting net worth
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.
Rodger is all about financial education. He has helped clients for 25 years. He is passionate about empowering people with the education and information necessary to make smart decisions with their money.
Rodger has been featured in Forbe's Magazine, The Kansas City Star and Proactive Advisor Magazine.
Rodger has had his own radio show on 980 KMBC and 710 KCMO. He also has been interviewed on the financial show "Right on the Money" weekly talk show.
He believes financial education is key. He has taught "Preparing for Retirement" classes at the University of Kansas Edwards campus and the K-State Olathe campuses. He has also taught Dave Ramsey's Financial Peace University (FPU) for over 15 years.
Rodger is a member of the National Ethics Association and the Better Business Bureau. Rodger holds several different financial licenses with a 7, 63 and 65.
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.
Richard has been helping people in the South Florida area since 1995. He has guided them to make informed decisions, avoid costly mistakes, lower their taxes, increase their estate size and find money falling through the cracks in their planning so they could re-direct those dollars to things they care about.
Richard Ehrlich started his career as a financial advisor with the prestigious firm of Drexel Burnham Lambert, working with Wall Street Geniuses David Kay & Leon Black. After years of working on Wall Street Richard did the unthinkable and moved out of the corporate sector, and founded the Secure Wealth Planning Group in Boca Raton, FL.
Richard is a well-known financial educator and author. He is a highly sought-after instructor and has helped hundreds of retirees and pre-retirees make educated financial decisions based on facts and logic. He has contributed to various media outlets such as Fox Business, Forbes Magazine, TIME Magazine, NBC, ABC, Newsweek,WIOD radio and was interviewed on the Consumer Advocate show hosted by Emmy award winner Nick Naton. All with the goal in mind of helping those in or nearing retirement to find financial peace of mind.
Richard is a graduate of the university of Miami and is a Chartered Financial Consultant. He is passionate about military service members so is heavily involved with the Wounded Warriors Project and the Vietnam Veterans Memorial fund. Richard is also involved with Migdal Ohr (“Tower of Light”), a non-profit organization for children at risk.
In his spare time Richard enjoys spending time with his wife Julie and kids, Eliyah, Shlomo, Orly and Netanel.
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