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!
Mike, happily married to his wife Kris, has four children and takes pride and joy in his four beautiful granddaughters. He enjoys spending time in the mountains, traveling abroad, and playing the occasional round of golf. Mike also has a passion for music, wine, and reading. If you need it, he is sure to have a great recommendation for the best local restaurants.
Mike is the founder and Managing Partner. A native Charlottean, he began his career in 1976. As Managing Partner, he has built a cohesive team of dedicated professionals capable of helping you achieve a diverse range of financial goals.
Jeff has been a leading professional in the financial services industry since 2004. Jeff has his Series 65, Life, Health, and P&C licenses. Jeff has had various experiences and training with multiple firms including Transamerica and Farmers Insurance Agency. Jeff is currently a partner at Lift Financial in South Jordan, UT where he is dedicated to helping his clients achieve their financial goals, and his loyal commitment to them is paramount. His 'no nonsense' approach to helping his clients achieve their goals probably stems in some part from his experience as a law enforcement officer prior to entering into a career in financial services. Jeff Busch has been published in U.S. News and Yahoo! Finance. Jeff lives in Riverton, Utah with his wife and four children.
With over a decade of experience I have been fortunate to have helped thousands of people from coast to coast become educated on the most relevant retirement planning strategies. My experience has enabled me to make regular ongoing national/local television appearances on all major networks and to be a nationally syndicated published author and contributor.I make it my priority to deliver beyond my client's expectations by helping them strategize the best solutions based on their needs. My clients have peace of mind, knowing that their families and businesses will be financially sound in the event life throws a catastrophic curve ball. My dedication and passion has enabled me to build a nationally recognized business and for me to be apart of the most pristine association of financial professionals, the Million Dollar Round Table (MDRT). An international organization consisting of the top percent of licensed financial professionals in the United States. As a part of my ever growing financial education I serve as a local Board member for the Society of Financial Services Professionals (FSP). With more than 80 years of history, FSP members are licensed professionals who must have or are actively pursuing a professional credential (designation). My current designations include: CFF-Certified Financial Fiduciary® LACP-Life and Annuity Certified Professional and the NSSA (National Social Security Advisor). Certificate Holder
When I was 14 years old my mother became permanently disabled. She was side swiped by a driver who ran a stop sign. This accident accelerated her degenerative disc disease. Shortly after she was unable to work and we lost our home and had to move 4 hours away to my grandparents house. This was during the DotCom bubble, which led her to lose most of her savings and retirement assets in the stock market crash. The only source of income we had to rely upon was her Social Security Disability Income check. It was not much but it did help us out dramatically.
Before I established my career in the financial industry I had always wondered, how could a single life event, such as an auto accident, completely alter a family's entire financial world?
The short answer to this, we had no safety nets, no safe money strategies and very little insurance coverage. Why? The archaic financial planning models my family had in place were to put ALL your money into the markets and not to worry it will always grow and be there for you despite ups and downs. Well, financial planning has changed, in the past we did not have unlimited money printing and artificial bubbles.
Shortly after these times, I experienced three grandparents that lived through long term care situations. Not only was it financially draining on our family but it was incredibly emotional. None of my grandparents had any long term care insurance, the financial responsibilities were left to their savings and our family.
My family had no professional financial experience, we came from mostly a blue collar background. During highschool and college I was working on my father's logging farm in Missouri and during the school year I was working construction and landscaping in California. After my personal family experiences, I decided to switch my college studies from Cultural Anthropology to finance. My journey in the financial services industry started when I was 22 years old.
Over the past decade I have been fortunate to have my mother work with me and together we have helped educate thousands of people on how to protect their hard earned money from life’s surprises.
Jason Bergquist has worked in the financial services since the year 2000. Building a business, teaching and educating families has become his passion. Jason tried his hand with one of the big financial companies and while working with the Merrill Lynch he realized he missed the lifestyle of going out and meeting with families one on one and helping those that really need the help. Showing people that there are better ways out there and giving someone options to help them accomplish their goals is the most satisfying part of what we do. Being independent truly gives me access to the best products on the market to help people realize they can dream of a better life, especially in retirement. Helping change lives and being able to bring joy and hope back into people’s lives is the most rewarding thing I have ever done. (see testimonials) Sitting down with people and taking all of their puzzle pieces and putting them together to create a beautiful masterpiece and showing them it is possible and they can dream again is such an amazing feeling. I have met so many amazing people in this business and some have become such good friends. I enjoy sitting down with them regularly, at least annually and getting updates on their lives and working with them to accomplish their next goals in life.
Jason lives in Riverton, UT with his wife Stacey and their 5 kids.
James "Beau:" Henderson, CFF, RICP®,CLTC®,NSSA®,CPRC
Beau Henderson is a retirement planning specialist, a USA Today and Wall Street Journal best-selling author, and the founder and visionary of RichLife Advisors. He has helped more than 3,000 clients to not only improve their relationship with money, but to live their unique definition of a fulfilled, meaningful retirement with purpose. Through his innovative RichLife Retirement Success Strategy™, Beau and his team at RichLife Advisors help families across the United States approaching retirement to properly address the six components a successful retirement:
Maximizing income (including Social Security)
Optimizing assets for long-term growth
Paying less in taxes
Planning for healthcare
Protecting the people and things that they care about the most and
Addressing non-financial considerations to ultimately living their unique definition of a RichLife in retirement
Beau has a passion for financial education—both in serving as a go-to educational resource and continuing his professional development. He has a degree in psychology from the University of Georgia as well as the designations of Retirement Income Certified Professional (RICP®), Certification for Long-Term Care (CLTC®), National Social Security Advisor (NSSA®), Certified Financial Fiduciary, Certified Professional Retirement Coach (CPRC), Certified Bucket Plan Advisor, Master Certified Success Coach and Certified Master Behavioral Analyst. He is also an active member of Ed Slott’s Elite IRA Advisor Group℠—an organization dedicated to the ongoing education and mastery of the latest retirement tax laws. Through a strict commitment to ongoing training as well as access to America’s IRA Experts, Beau stays current on the latest strategies to help clients keep as much of their hard-earned savings from unnecessary taxes as possible.
Beau’s passion for helping others organize their finances comes from a deeply personal experience—the loss of his father to lung cancer at the age of 49. He felt helpless as he watched his mother, who had been married to his father since she was 18, struggle with financial decisions and helped her piece her life together. Through his family’s heartbreaking experience, he found a silver lining when he realized that he could make a profound difference in someone’s life by helping them navigate important financial decisions. His interest in psychology, coupled with his newfound interest in financial matters, led him to a career he loves. Now, more than 20 years later, he has never stopped learning and growing through his work and helping others create a Retirement by Design.
Beau is an avid local business advocate, podcast enthusiast and studio owner of North Georgia Business Radio X. He was recognized as Junior Achievement’s Business Partnership of the Year in 2016 for his efforts and commitment to increasing financial literacy in the community. In his free time, Beau loves to spend time with his family, including toddler, Gwendolyn, and time in the mountains of Murphy, NC.
Fun Facts:
Prior to his career in finance, Beau was a personal banker and an intake specialist at a mental health hospital
He played defensive end for UGA’s football team
His favorite vacation spot is the outer banks of North Carolina
James "Beau:" Henderson, CFF, RICP®,CLTC®,NSSA®,CPRC
Marco Scalco is a tax and financial advisor who believes in helping clients with comprehensive financial services with an emphasis on tax planning and preparation, individual retirement, investments and insurance.
He combines personal attention with a focus on strategic, tax-efficient financial planning and over 10 years of experience in the tax and financial services industry to help his clients achieve financial prosperity. The ability to be a full service provider of financial needs allows Marco to create seamless and convenient experiences for his clients.
Marco has been engaged in a continuous quest for knowledge and professional development. He obtained his Bachelor’s degree in Business Administration in 2003 and since then has furthered his education by obtaining the following certifications:
·Enrolled Agent – U.S. Department of the Treasury, Internal Revenue Service (IRS)
·Registered Financial Consultant
·CERTIFIED FINANCIAL PLANNER™ professional
·Certified Financial Fiduciary®
·Passed the FINRA Series 7/ General Securities Examination
·Passed the FINRA Series 66/ Uniform Combined State Law Examination
·Life, Accident and Health Agent – California Insurance License # 0E5149
·Fire & Casualty Broker-Agent – California Insurance License # 0E5149
Marco is an active member of the National Association of Tax Professionals (NATP) and the Financial Planning Association (FPA). In his spare time, he enjoys spending time with his family, traveling and outdoor activities. Marco and his wife Erin reside in Huntington Beach, California. They have two children.
Kay Carreon, is a Certified Financial Education Instructor, Bachelor’s Degree in HRM & Certificate in Management Development for Entrepreneurs in UCLA.
CEO and Financial Consultant of REACH Consulting Services.
Kay's intensive experience in Sales in Marketing for over 23 years and transitioned to Financial Consulting.
Kay experienced a Life event that changed her life and led to Financial Literacy Advocacy. She became an independent financial consultant in 2010 where she independently started her own wealth management team in San Diego and now a National Broker.
She specializes in financial consulting, wealth management and support estate planning; executive planning, and corporate executive compensation programs; she also establishes foundations and manages family offices. Working with attorneys and CPAs, she coordinates a team approach to assure her first and foremost concern, the client’s overall financial well being.
Kay and her family reside at beautiful San Diego, where she enjoys cooking/baking, gardening, and spending time with her two daughters, Karyn and Kamryn.
Bio - Rylan Rozell is the founder of Rozell Wealth Management. He has a passion to help others holistically achieve their financial goals for every area and stage of life by maximizing their wealth, minimizing expenses and moving them toward financial freedom. He founded the company in December 2009 to provide impartial, product-agnostic, customized financial advice based upon a comprehensive planning approach that integrates all aspects of investment, insurance, tax, income and estate concerns into a coordinated plan. He places an emphasis on serving individuals going through a major transitional life event such as retirement, divorce, the death of a spouse or the selling of a business.
Rylan has his MBA, and the designations of Certified Financial Planner (CFP®), Certified Divorce Financial Analyst® (CDFA®), and Certified Financial Fiduciary (CFF®). He is qualified to provide financial planning for all types of life situations and particularly for those going through a divorce where legal, tax, property, other assets, and income must be considered in arriving at an equitable arrangement. He is also duly licensed in real estate and has owned and operated both real estate brokerage and property management firms. This gives him a unique understanding as an advisor because property assets are often a large part of a person’s financial portfolio.
Rylan is married with three daughters. He is an accomplished bass guitarist and has opened for several well-known Country and Christian recording artists. He also plays soccer and frequently competes in triathlons including Ironman events.
If you have had any previous experience with a financial advisor, chances are the conversation revolved around how much money you have, where it’s located, we can do a better job. It would seem that most investment firms share the same singular focus of trying to find better products that earn a higher rate of return which often take more risk. For all of the fancy analytics and mathematical acrobatics available today, nobody has yet figured out how to predict the future. Earning higher returns is certainly not a bad thing, and something we can help you with as well, however we believe we should help our clients avoid money they could be losing unnecessarily before considering options that require more risk. Return is not the only thing to consider when evaluating the efficiency of your own personal economic model.
There are three types of money; the money used to secure your financial future must somehow come from these three areas.
Accumulated money represents the dollars you currently have invested and are currently saving. You could focus your attention on these dollars in order to find better investments that potentially pay higher rates of return.
Lifestyle money represents the dollars you are spending to maintain your current standard of living: where you live, what you eat, where you vacation etc. For many people, this is where the conversation ends. While everyone wants to solve their financial problems reducing their current standard of living is not a popular option.
What if there were a way to address the issue without having to incur more risk or impact your present lifestyle? I’m glad you asked!
Transferred money represents the dollars you may be transferring away unknowingly, and unnecessarily. Such as:
-How you pay for your house,
-What you pay in taxes
-How you fund your retirement accounts
-Non-deductible interest
-How you pay for major capital purchases like cars, education, weddings, and other large expenses.
There are really only two ways a financial advisor can be of help to you:
1. By finding better products that pay higher rates of return requiring more risk
2. By helping you be more efficient by avoiding unnecessarily losses
I believe that there is more opportunity to serve my clients by helping them first avoid the losses, before trying to pick the winners. My focus with clients begins with eliminating the involuntary and unnecessary wealth transfers
Bob is registered and certified as a Certified Financial Fiduciary®
∗ Bob has been an icon in the life insurance industry for over 40 years, he’s a well-respected speaker & trainer and the CEO of 2 companies.
∗ Bob’s earlier years were spent with New York Life where he rose to the top as the #1 General Manager out of 100 offices in the United States and won the coveted Chairman’s Trophy.
∗ Bob decided to go out on his own in 1981 and founded the Rushmore Private Client Group, which focuses on estate planning & tax liability for clients with a new worth in excess of $40 million.
∗ Bob is a member and speaker of the London-based Society of Trust & Estate Practitioners & has co-authored articles for the Journal of Taxation.
∗ His high-level expertise has led him to collaborate with prominent attorney’s & CPA’s all over the country.
∗ Bob teaches Estate Planning Attorneys, CPAs and High-End Advisors on compliant techniques to keep the wealth in the family.
∗ In 2008, Bob saw a valuable need for creating a highly-compliant process for life settlements and thus, established Settlement Masters.
∗ Settlement Masters is an independent settlement Broker who is licensed throughout the United States as a fiduciary who represents the policy owner exclusively in achieving the highest and best offer for their policy in the secondary market. It also gives client the methods of keeping their policy so they can make an educated family decision.
∗ Settlement Masters ranks as a “preferred” settlement Broker for many top BGA’S & Broker-Dealers such as The Leaders Group.
∗ The company also ranks as the most compliant Broker in the country according to Lloyd’s of London and is the only settlement company to whom they offer E&O insurance.
∗ Bob is passionate about his fiduciary responsibility of protecting the best interests of Senior policy owners by working with professional advisors to either save their client’s insurance policy or capitalize it in the institutional market.
∗ He’s also dedicated to helping protect advisors from potential lawsuits by teaching them about the current state regulations and their fiduciary duty to educate their elderly clients about the third option, life settlements.
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