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!
Hilliard H. Wiggins III RFC is a Registered Financial Consultant a member of IARFC (International Association Registered Financial Consultants) with over 15 years of experience within the financial industry. After graduating with a B.S Biology/Chemistry from Tuskegee University he pursued graduate work in Biochemistry at UC Berkeley. Upon entering the financial sector, he immediately used his Methodical/Analytical approach toward science to finance. Growing up in the south and having older parents his natural market was Seniors. With that being said "Service" is a way of life. He currently is the managing partner of Hilliard & Herman Associates LLC a private insurance firm that specializes with Seniors and Small Businesses. The organizations he is affiliated with consists: NAPA (National Association of Professional Agents), NAIFA (National Association of Insurance and Financial Advisors) Alpha Chi Honor Society and Omega Psi Phi Fraternity. The firm focal point is Funeral- Legacy- Retirement Planning and will work diligently to achieve all goals. The firm have developed Strategic Educational Partnerships within the community to better prepare advisors to meet the needs of clients. Please attend one of our workshops within the community. We are welcome the opportunity to know your family and endeavors.
."Today's decision is tomorrow peace of Mind"
Hilliard H. Wiggins III, Certified Financial Fiduciary®
Matthew Mullowney, CPFA, Certified Financial Fiduciary®
Matthew is a Certified Financial Fiduciary® who works with business owners, families, and individuals who seek a holistic approach to wealth management. Focusing on service first, his clients need an experienced financial advisor who educates and coordinates the difficult financial decisions come with owning a business and having substantial assets. With this knowledge, he quarterbacks appropriate investment explicitly suited to the client wants and needs.
To better serve his corporate customers and business owners, he obtained a CPFA-Certified Plan Fiduciary Adviser designation. This advanced designation helps him, and his clients understand the fiduciary relationship and responsibilities of the business owner to their employees. Matthew has a passion for thoroughly educating the employers and employees with the knowledge needed to make prudent investment decisions for their future.
Matthew believes in providing solutions driven advice to his individual and family-based clients by using The Bucket Plan® approach to their household. This positions their assets to grow and protect the family now and into the future.
Matthew Resides in the beautiful St. Francisville, LA with his wife Leslie, and two children, Lucy and Caroline. As a former chef, he spends a lot of time cooking for friends and family while enjoying the fruits of Napa Valley.
Matthew Mullowney, CPFA, Certified Financial Fiduciary®
Todd is an esteemed colleague of the Heartland Institute of Financial Education and is a CFE (Certified Financial Educator); Todd has instructed financial wellness classes for almost two decades, helping people build more secure financial futures.
Todd also has a separate financial planning practice where he advises and consults with clients and small businesses on how to create, preserve, and transfer wealth. Through comprehensive financial planning, Todd prefers to develop a personal relationship with clients that enable them to envision and prioritize their short and long-term financial goals. Through his programs and college classes Todd has shown thousands of people how to protect and preserve their assets, increase their retirement income, and reduce their taxes.
Todd’s office and home are located in Glendale Arizona. He has been blessed with two wonderful children: Liam and Megan. Todd’s business and personal life reflect his core belief that success comes from the five “F’s” – Faith, Family, Finances, Fitness, and Fun.
Diana Foster Edwards is the President and Founder of Edwards Insurance andFinancial Solutions LLC, an Independent Brokerage and Insurance Firm in Northern Chesterfield, Virginia since 2010.
Diana holds a Bachelors of Business Administration Degree from Saint Paul’s College and began her career in the Real Estate Industry in 1981.She is currently an Associate Broker with Long and Foster Real Estate Brokerage and although she has enjoyed a long and successful career in real estate, she in recent years embarked on an additional career in the Insurance and Financial Services industry where Diana found her niche in this market where she assists Seniors with their Medicare Retirement and Real Estate options.
Diana and her husband were caregivers for her widowed mother for 20 years It was during that time that Diana become sensitive to the needs of an aging parent and developed skills of managing her business and taking care of her health care needs. She learned the importance of spending time, being patient, and having compassion for her mother’s growing needs, during the time in which our role of mother and daughter had clearly changed. Little did Diana know that this experience was preparing her for the launch of her second career helping seniors like her mom who need patience and kindness and compassion to help them with making critical choices for their Medicare and Retirement needs.
Seniors love working with Diana because they say that she makes them feel comfortable and she takes the time to explain and educated them in planning and help with making difficult decisions for this stage of their lives
Diana is passionate about educating and empowering her clients in their Senior planning options.She teaches Medicare Basics in the Adult Education Curriculum in Chesterfield County, Va. She is devoted to continuing education in her fields and brings expertise and years of valuable experience to the table for her clients.
She holds licenses in Life, Health, Annuities, Property and Casualty ,Real Estate Long Term Care and is currently licensed in the states of Virginia, North Carolina, Maryland, Alabama, Florida and New York.She holds the Certified Senior Advisor Designation (CSA), Senior Real Estate Specialist Designation (SRES) and most recently the elite Certified Financial Fiduciary Designation (CFF).She is pursuing additional designations in Social Security, Taxes in Retirement and Long Term Care Professional (LTCP)
Diana pursues yearly certification training with multiple insurance carriers.She is a Level 2 “Authorized to Sell”AARP agent and she partners with the ONLY Medicare health insurance carrier who is branded with the AARP brand of distinction Her mission is NOT to be a transactional professional, instead, Diana heart’s desire is to serve her clients with excellence and build a long and lasting relationship with them so that she may continually serve them and help them to leave an strong and endearing legacy to their loved ones.
Diana has embraced to a holistic business model as she helps those approaching retirement with strategies that will turn their Retirement Savings into RetirementIncome and all without losing any of their principal.
On a personal note, Diana enjoys spending time with family and friends.She loves every opportunity to have friends over and lavish them with good food and educating them on the wonderful health benefits of essential oils.Friends are often treated to therapeutic foot massages and encouraged to relax and enjoy these special moments.
Diana is married to college sweetheart and husband of 43 years, ZachariahWesley Edwards.She and Zachariah are business partners and are an exceptional team of trained and experienced professionals who have dedicated their lives to TEACH others that they may REACH others to help them live their BEST lives by making their BEST choices. How can she help you today?
CHA Shared Services is an insurance brokerage and consulting firm as well as a subsidiary of the Colorado Hospital Association. CHA Shared Services supports Colorado’s health care facilities by providing a broad array of strategic services in the areas of health and welfare, retirement and executive benefits, workers’ compensation and general human resources management. These services help clients increase efficiency by saving time, money and other valuable resources.
Cherry Torres, LUTCF grew up in Kemmerer, Wyoming and has a BS in Marketing from the University of Wyoming. She began her business career when she joined the Colorado Hospital Association (CHA) in August 1996 and has bee an advisor for retirement plan participants for 20 of those years. Cherry is the primary relationship manager for services procured through CHA Financial Advisors on behalf of CHA member hospitals and health systems. Cherry serves as a registered representative, FINRA Series 6, 63 & 26, Life/Health/Variable Products insurance licenses.
Cherry is a past board member of the National Association of Insurance and Financial Advisors (NAIFA). Cherry is recognized for her long-standing relationships and excellent service which are based on trust and integrity. She strives to provide retirement plan guidance and employee education that is tailored to individual needs and goals.
Patrick has more than 25 years’ experience in the financial services industry and has helped thousands of people work towards achieving their financial goals.
Under Patrick’s leadership, Patrick Lynch Financial provides conservative insurance and investment strategies that help lead individuals and families toward their ideal retirements. While the company focuses on retirement planning, Patrick throughout his career has helped facilitate employee stock ownership (ESOP) plans, insurance solutions, disability income insurance and financial planning for business.
Patrick finds it deeply rewarding to take the complexities of a family's finances and translate those issues into something clear and understandable. He believes his success rests in empowering his clients to understand their financial goals as they achieve them.
Patrick holds his Series 65 securities registration and life, accident and health insurance licenses and holds a long-term care professional designation. He is also a Registered Investment Adviser.
Born and raised in Colorado, Patrick is the proud father of three children, Meghan, Christopher and Lauren, and the proud grandfather of Ian and Beckham. When he’s not in the office, he enjoys spending time with his family, golfing, playing softball and exercising.
Kevin has been in the financial services industry for over 18 years.He spent the first 8 years of that time working with The Hartford Life and Annuity Company, learning the intricacies of insurance and annuity products, which have come to the forefront in many situations in regards to generating retirement income.For the last 10 years, Kevin has worked with NEXT Financial Group, Inc., providing comprehensive retirement income plans for individuals in, and approaching retirement as his primary focus.
Kevin’s objective when developing a plan is to start by listening to their goals and concerns of each individual as they begin to navigate the realities of planning to leave the workforce. He feels that the ultimate mission is to provide education, and investment planning that addresses both critical needs and discretionary spending.Success is only achieved when his clients feel secure not only that the bills will get paid, but that they will be able to pursue the endeavors that they worked a lifetime in which to engage.
A graduate of the Pennsylvania State University and Chartered Retirement Planning Counselor®
Kevin is committed to putting his clients’ interests first, and spending the time that others may not to make sure that his clients have an in depth understanding of what they’re doing financially, and why they’re doing it.
William Skillender, Certified Financial Fiduciary®
Bill has over 20 years experience in the financial services industry. Formerly a trader for a private firm in Philadelphia, Bill has always been interested in the stock market and investing. His business philosophy is to provide each client customized service and attention so that they can feel confident and empowered in the financial facet of their lives.
William Skillender, Certified Financial Fiduciary®
William Stephen Glover (Steve), Certified Financial Fiduciary®
For nearly two decades Steve Glover has been extremely involved in his community.First serving as Chair of the McGavock Parent Cluster Group, the chair of Government Relations for the Parents Advisory Council with Metro Nashville Public Schools.He decided to run for the Metro Nashville Public Schools School Board and in 2006 was elected to represent Donelson, Hermitage and Old Hickory.
While on the school board, Steve’s business skills in finance led to his appointment as chair of the budget and finance committee.In 2009 & 2010, he was instrumentalin guiding the system through its most challenging financial crisis the system had ever witnessed.Upon finishing his term with the school board, Steve was approached to run for the Metro Council.He was elected in 2011 and is now in his eighth year.
Serving on the Metro Council, with the Budget and Finance committee, Steve has pushed the Council to be good stewards of tax revenues and has constantly fought against foolish spending in Nashville. The current session of this Council ends August, 2019.
William Stephen Glover (Steve), Certified Financial Fiduciary®
Since 1989, Denielle Cerny, an independent advisor, has assisted her clients with retirement planning and risk management (insurance)services. This includes collaborating with client’s certified public accountants, as well as estate attorneys to ensure comprehensive financial management and estate planning for her clients. Denielle Cerny’s primary commitment is to develop a financial plan custom to each client’s goals and needs.
She believes in building close relationships with her clients and their immediate family members to assist in realistic financial goals. Working with Mrs. Cerny is bringing you one step closer to a financially secure future and one that plan’s for the proper transfer of wealth to the client’s next generation.