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!
Robin S. Davis, Wealth Advisor, had been designing financial plans and insurance strategies for her clients since 1984. As the Senior Advisor and owner of Davis Wealth Management Group, she continues to service and advise her existing clients on financial issues flooding the markets as they change over time. The market has become more volatile over the years and requires advisors and clients alike to be more educated on changes in economies domestically and abroad, on tax and estate planning changes, which occur relentlessly often these days. Because is more important than ever to hire and work with the right financial, insurance, tax and estate planning professionals, Robin wrote the book “Who’s Sitting on Your Nest Egg? Why you need a Financial Advisor and ten Easy Tests for finding the Best One!” Robin has been a contributing author for Affluent Magazine and has been a guest on numerous television and radio shows including Oprah and Friends. Robin has held over 500 public seminars on financial issues around the country and continues to be a frequent speaker at different forums today. Robin folds FINRA series 7,6,22,24,26,63 and 65 industry licenses; as well as Life, Health and Variable Insurance licenses.
Carie Gratz, MBA, is a financial advisor an insurance specialist with Davis Wealth Management Group since 2008. She is a professional who helps individuals manage their finances by providing advice on money issues such as investments, insurance, estate planning, tax planning, retirement and 401k rollovers. Her responsibilities include investment research and analysis, portfolio management design and asset allocation, as well as performance evaluation. She currently holds FINRA series 7 and 66 industry licenses; and Life, Health and Variable Insurance licenses. Carie is native to Martin County and graduated from Florida State University where she earned a B.S. in Finance in 2002. Carie also received her Master of Business Administration from South University in 2012.
LOUIS TERRERO, Registered Investment Advisor, Certified Public Accountant
Louis Terrero has been in the financial services industry since 1978, starting his career as an auditor for one of the “Big 8” CPA firms.He has experience in many areas ranging from compliance and auditing to annuities and investments. This extensive knowledge has led Louis to teach accounting, economics and taxation courses as an adjunct professor at various NY and NJ colleges and universities since 1991. Louis’ diverse background and passion for educating others helps him serve his clients in ways that he takes much pride in.
Financial and investment planning is an area in which Louis’ feels he can provide great value to his clients. He has been working with individuals and businesses in New Jersey and New York for several years on various financial planning topics and strategies, including retirement planning, college funding, insurance planning and estate planning (in concert with elder care attorneys). He has always taken a "team of professionals" approach to serving his clients' needs, and will regularly include in his portfolio planning and management, agents and advisors whom he believes can add value to the process. Having professionals working in tandem to accomplish your goals ensures that all aspects of your financial plan are complimentary of each other.
The clients of New Century Planning Associates are of the upmost importance. Louis and his team are dedicated to developing lasting relationships with all their clients. That is why they spend so much time getting to know you and your needs before any recommendations are made. They strive to provide clear, easy to understand explanations of financial products and services all while putting these in motion to bring you closer to a more secure financial future.
In his free time you can find Louis spending quality time with family and friends, following New York’s professional sports teams. reading historical novels, and traveling.
A veteran of the U.S. Army Intelligence Corps, Russian Linguist, and North Central University Alum, Gary is the founder and president of Safe Harbor Financial.
Safe Harbor Financial is a Charleston area-based firm that specializes in financial planning and wealth management for pre-retirees, retirees, seniors, and small businesses.Gary’s vision is to become your financial professional for life.He works hard to earn your trust and will continue to work diligently to maintain that trust for years to come.
His continued goal is to fully educate clients about their options so they can make knowledgeable and informed decisions when structuring a financial strategy that reflects their priorities. Through his guidance, Gary’s clients are able to increase their wealth and avoid exposure to unwanted risk.
Gary enjoys working in the community to help people with their retirement planning and questions they may have about securing their retirement future.To facilitate this, he sponsors complimentary educational luncheons where he educates the local community on various financial topics.
Planning services include:
1. Helping clients rollover 401 (K) savings, ESOP and pension plans to personal Individual Retirement Accounts.
2. Developing life time income strategies with a goal of creating a guaranteed, risk free and secure retirement.
3. Pre-Retirement financial planning through the use of goals based planning and cash flow analysis.
4. Planning services are provided to any client, regardless of account size, or complexity.
In his spare time, Gary enjoys volunteering at his church, riding his motorcycle, playing outdoor sports such as golf and softball.He is the proud father of 2.His son is presently serving in the U.S. Army and his daughter attends university.He enjoys spending time with his wife of 26 years, Heidi, going to the beach, cruises, and enjoying all that life has to offer.
Independent Financial Advisor specializing in managed money processes and retirement security for individuals and businesses. Long Term Care resource expert and past speaker at the FICPA state meeting on financial planning.
OMNI Resource Group:
Financial consultant specializing in business and professional consulting. Often including strategies for buy-sell funding for the purpose of assisting the senior partners transition their practice interests to the next generation of associates: retirement plan benchmarking and design to help plans meet the new fiduciary and compliance standards required by the DOL: and; income distribution and wealth accumulation strategies.Also, founder of Operation Veterans Aid, an organization dedicated to assisting veterans and their families in the awareness and completion of the application for the Aid and Attendance Pension through the VA.
Thrailkill, Broussard & Smith, P.A., Vice President
Responsible for individual financial planning and education for public and private clients. The firm
educated and developed clients through a seminar system from 1995-2002. Named "Best New Group"
in 1997 by Successful Money Management Seminars, Inc., the nation's largest producer of financial
education materials. (April 1995-January 2003)
New England Mutual Life Insurance Company
In 1983, responsible for individual and group sales of insurance and investment products and
Involved in the sale and service of one the first 401(k) plans in the U.S. As sales manager in 1985,
responsibilities included recruiting, training, joint work, and managing a team of up to twelve
producers. Won New England's Agency Builder Award four consecutive years. The management
award recognized outstanding performance in new agent recruiting, agent retention, average agent
production, and total unit production growth. During the four years, agent retention was greater than
50%. Returned to personal production in 1990. (February 1983 - March 1995)
Mass Mutual Life Insurance Company
Began insurance career with Mass Mutual in November of 1980 in Winter Park, FL and was the
number four producer during the two and one half years with the agency.
EDUCATION:
Bachelor of Science in Business Administration, 1980, Florida State University, Tallahassee, FL
LICENSURE: Life, Health, Variable Annuity, Series 65
ACHIEVEMENTS/RECOGNITIONS:
Multiple Qualifier of MDRT and Court of the Table Qualifier.
Speaker at various industry, service, and charitable
organizations including Florida Special Olympics on financial and estate planning issues for families
with special needs children and the Florida Methodist Pastors' Conferences assisting those in the
ministry with financial and retirement issues, The FICPA annual meeting on Financial Planning on the topic of Long Term Care.Past Chair of Peggy and Phillip Crosby YMCA, Board Member of Warriors on the Green an organization dedicated to the rehab of wounded veterans through the activity of golf,Board Member of Lydia House.
PERSONAL:
Married to Beth since 1982 and the father of two children; Bennett, a recent graduate and two-time golf and Academic All-American at Dallas Baptist University and Ellen a junior at UCF.Kevin has been a member of the business community in Central Florida since 1980.
Conor’s passion for the investment industry began over 20 years ago at the tender age of 13 during an extracurricular class called Project Business. Conor was tasked with researching and picking an individual stock and following it throughout the semester. During that time, the Yahoo stock he chose increased by 150% and he thought “This seems easy!” When the tech bubble burst in the early 2000’s, he realized there might be a little more complexity to the financial world, but he was hooked nonetheless.
During his first financial services job in the shareholder services department of Eaton Vance in Boston, Conor acted as the last line of defense for clients desperate for advice during the 2008 financial crisis. He could not believe there were so many people who could not get in contact with the advisor that “sold” them the mutual fund they were calling about, and he knew he wanted to change that. Although he watched some of his colleagues become frustrated working with naïve investors, Conor thrived in that environment and enjoyed educating shareholders while “talking them off the edge.” That was when his true passion for the financial services industry was born. He had a strong and consistent desire to help people that continued to point him in the direction of financial advising.
In January 2014, Conor joined his uncle, Mark Bryant, at Bryant Asset Management as a Registered Representative of Commonwealth Financial Network. In this role, Conor advises a growing group of his own clients as well as assisting Mark with research, marketing, and client portfolio construction. Conor has earned the highest-level professional designation in financial services as a CERTIFIED FINANCIAL PLANNER™ professional. He also holds FINRA Series 6, 7, 63, 65, and 79 securities registrations. Conor is a member of the national and Capital District Financial Planning Associations, serves on the Board of Directors of the Hudson Mohawk Land Conservany, is a former treasurer of the board of directors of the Capital Alliance of Young Professionals, and has served on the board of the Northeast Kidney Foundation.
Conor is originally from the Capital District and graduated from Voorheesville High School in 2002. In 2006, he received a BA cum laude in business management and economics from Gettysburg College. After graduating from college, Conor moved to Colorado where he taught skiing for a time. He and his wife, Katie, live in Albany. These days, Conor enjoys watching and participating in a variety of sports, particularly golf and skiing. He shares his passion for skiing by volunteering as a ski instructor at Double H Ranch. He is a seasoned traveler and has visited every continent except Antarctica.
Conor continues to pursue his interest in human psychology and finance through in-depth study of behavioral finance and believes the dominant determinant of long-term investor returns is based upon the emotion and behavior of each client toward their investments. Subscribing to the philosophy that it is almost impossible to have a completely objective view of your money, Conor believes he can effectively act as an objective third party to make sure each of his clients’ decisions are based on fundamentals - and not emotions - to keep them on track with their goals.
I started my career climbing the corporate ladder for a large retail company while in high school @ Col. Zadok Magruder HS in Rockville, Maryland. I worked in retail management while attending the University of Maryland- College Park & Montgomery College - Rockville; ultimately becoming the corporate inventory manager for the DC Metro region while earning a B.A. in Criminal Justice.
A change in company ownership forced a career change, where our family's financial advisor at the time mentioned that I had experience dealing with corporate retail $$$and was great working and listening to customer wants/needs, so why not give it a shot helping retail clients with theirs?
I have been in the industry now since 2000 (Olde Discount, H&R Block Financial Advisors, and Ameriprise Financial Services), and still enjoy helping clients with their investments! My current home is Waterford Wealth Management LLC. and am a registered rep with H Beck Inc, a fantastic independent broker dealer!
I hold a Series 6, 63, 65, 7 & Securities licensed in Colorado, Delaware, Florida, Illinois, Indiana, Maryland, New York, North Carolina, South Carolina, Texas, and Virginia.
My office is in Rockville, Maryland where I have lived since 1974.
Robert has been a financial advisor and client account manager for nearly 30 years, working in Texas at some of the most prominent financial firms in the country. Positions he has held include vice president and financial advisor at Merrill Lynch; vice president, financial advisor and portfolio manager at UBS; and financial advisor, portfolio manager at Morgan Stanley.
A common theme throughout his career has been the honest and responsible manner in which he has conducted himself on behalf of his clients. He joined Harbor Financial in September 2018, attracted by the firm’s objectivity as an independent broker/dealer, and its clearing and custodial services arrangement with Raymond James, which provides access to proprietary equity research and rebalancing tools to help manage client assets.
Robert customizes investment portfolios to each client based on a detailed financial plan that takes into account their specific goals, risk tolerance, investment style and time horizon. Utilizing hedging strategies with the objective of reducing market risk, his goal is to enable clients to have confidence in making their money last.
Robert graduated from Plano East Senior High School and earned a bachelor’s degree in finance from Stephen F. Austin State University, where he became a member of Pi Kappa Alpha fraternity.
Originally from New York, Robert now lives in Allen, Texas, with his wife, Carie, and their children, Sebastian and Gabrielle. In his free time, he enjoys guitar, drums, Jiu jitsu, weight lifting and swimming. He is a member of St. Andrews Episcopal Church.
Raymond James is not affiliated with the above organizations. Investing involves risk and you may incur a profit or loss regardless of strategy selected.
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