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!
Michael D. Hodgson is a lifelong Central Ohio resident and Investment Professional specializing in retirement distribution planning. He has guided individuals and business owners from all walks of life not only to plan successfully for retirement, but to strategically implement that plan. From educators to business owners, from engineers to doctors, Michael has helped individuals reach their goals and aspirations for their financial future.
Michael Hodgson is the President of Safe Harbor Investments, Inc. and owner of Coastline Capital Management. He implements the The Bucket Plan® System to create a unique retirement distribution plan for people who are close to or in retirement. Through this Independent Income System, Michael's clients are able to turn off the daily noise of Wall Street and focus on what's most important to them.
He is married with three children and enjoys golfing, reading, and volunteering.
We are independent financial professionals with the freedom to provide diverse guidance and insight to our clients. Looking to help safeguard the interests of our clients, in both up and down markets, one thing is absolutely clear--each person's situation is different. Accordingly, our approach will be to pursue an in-depth understanding of your situation as well as the personal values you hold. Over the years, this simple yet intimate approach has helped us guide our clients toward their goals.
Through our top commitment to the highest standards of trust, technology, and client services, our objective is to guide our clients through a myriad of complex financial issues to pursue desired wealth on a tax-efficient basis.
Larry Lowder started his professional career in Washington, D.C. with the U.S. Department of Treasury’s Bureau of Public Debt, an agency tasked with financing annual federal budget deficits and the national debt. Later he was transferred to Philadelphia as Mid-Atlantic Regional Director for the U.S. Savings Bonds Program, a savings program offered to the public primarily through payroll savings plans. This program, among several others, was and is used to help raise the money needed to finance annual government deficits and the ever growing national debt. These two U.S. Treasury assignments, spanning a period of ten years, provided Larry with two valuable insights:
-The impact of continuous federal budget deficits, resulting from insufficient tax collections, has a negative effect on long term tax policy. This, in turn, can diminish wealth accumulation and lifestyle. So it’s important for individuals to develop a plan to offset lost income and asset growth due to tax rate increases.
-Establishing a disciplined savings plan to which regular and systemic contributions are made is the first step in achieving financial security, and developing a strategy to protect those savings, while at the same time maximizing return, would be invaluable.
Armed with these two insights, Larry left the Treasury and became a financial planner working with two major financial planning firms. One was in the insurance industry, the other in the securities industry, Cigna and Merrill Lynch. With them he expanded his knowledge and expertise in investment, tax, estate, and retirement planning.
In 1995 Larry founded Park Ritter Financial Advisors, a firm offering comprehensive financial planning services to business owners, professionals, executives, and retirees. As an independent advisor and a Certified Financial Fiduciary®, Larry is committed to putting a client’s interest first, that a client’s goals provide the foundation of his/her plan, and that a client must have a complete understanding of any financial strategy being recommended or implemented.
Larry has a BBA degree from Wake Forest University and a MBA through the Wharton Executive MBA program.
Debra O'Connell joined Bergen Financial Group in 2016. She brings to the group over 20 years of customer service experience, as a valued addition to our team. As a financial advisor helping clients plan for retirement, Debra enjoys working with her clients one-on-one to fully understand their goals and then working with them to create solutions specifically tailored to meet those goals. She is supported by a team of administration and investment advisor representatives whose teamwork and professionalism ensure that each client is presented with thoroughly answered to the client's satisfaction.
Debra is active in her time off and enjoys traveling. She likes to hike, scuba-dive, golf and spend time with family. She comes from a large Midwest family and enjoys their winter visits to see her in Arizona.
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.
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 Napa, California 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.
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.
Bradley started out his career training financial advisors across the country. In 2013 his passion with helping people led him to becoming an independent advisor with the focus on those clients who are retired or nearing retirement. Bradley grew up in Metro Detroit and earned a Bachelor’s degree from Eastern Michigan University. He currently lives in West Bloomfield with his wife Melissa and their two children; Emma and Avery. Bradley takes great pride in his community and is the treasurer for his neighborhood beach association.
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?
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