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!
Peter Zipp III, MBA and a Certified Financial Fiduciary® began his career in insurance in the late 80’s selling life insurance in PA.He finished college and moved to AZ in 1994, worked as a controller for years in the construction industry.Peter continued his education in AZ, obtaining a master’s from Grand Canyon University.Since 911, he has been self-employed.Peter loves working with the public and his community, so he opened an Allstate agency in Goodyear, AZ.His passion is to education individuals and families about insurance and financial products.So much that in 2017 his agency was recognized for customer service, # 10 in the country.He credited this to being real, communication and his staff.
"IF THERE’S SEVERAL WORDS THAT DESCRIBES SELF-MADE BUSINESS MAVEN VICKI GUNVALSON – IT’S ENERGY, COMMITMENT, INTEGRITY."
Vicki Gunvalson started her career in the Insurance and Financial Services industry in the suburbs of Chicago Illinois in 1991 and quickly became the top agent within the first year of her career. With pure sheer determination and passion for business, she was able to build Coto Insurance & Financial Services, Inc., to one of the most successful Insurance Agencies in the United States.
Vicki learned the importance of insurance after her father was diagnosed with Alzheimer’s disease at a young age of 59 without having any Long Term Care Insurance in force. After seeing the financial toll this took on the family, she decided to focus on helping others in planning for the unplanned.
Vicki surrounds herself with positive, high energy individuals that she loves and trusts and treats all her clients like she treated her father – with passion, devotion and commitment.
With the type of retirement planning Vicki does, she is able to show her clients how to obtain a lifetime guaranteed income stream in retirement which they can never outlive, all while their principle is protected.
Vicki holds various professional designations including:
Member of the Million Dollar Round Table
The American Association of Long Term Care Insurance
A+ Rating from the Better Business Bureau
Orange County’s 5 Star Wealth Manager and the National Ethics Bureau.
Jack has over 4 decades of extensive and successful business experience. Some of his accomplishments were: managing large business operations within global corporations; founding and managing his own international business consulting organization; being on a number of boards and having executive appointments as officers in a number of large associations; and many executive and director level positions within companies and corporations.
In the past few years Jack has been struck with the inefficient personal retirement planning options and resources that many individuals have the potential to employ. He has dedicated himself to supporting individuals in their retirement planning as he has with his past corporate clients. To do that he has extensive training in Social Security, Medicare, and retirement income/resource planning. He is committing to the education and planning for others to ensure they understand the many options they might consider at all stages of their life but particularly as they approach retirement where many decisions need to be made and each with complex considerations. His commitment is to ensure that his clients make the best individual decisions for themselves and their families and that starts with their education about options that fit their specific situations. Then developing an optimal strategy customized to each person or couple.His role can best be described as a retirement transition coach, advisor, and advocate.
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.
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