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!
Sunil Patel is a well-known national expert in the matters of retirement and tax-free retirement income planning. For the last 32 years, he has helped people throughout the United State retire safely and securely. In fact, none of Mr. Patel’s clients have ever lost money in the stock market while working with him. His clients include self-employed business owners, Physicians, retirees.
As a retirement and income planning specialist, he assists his clients to plan for taxes and tax-free retirement, protect their savings, reduces income taxes & taxes on social security benefits, and creates a retirement income that they won't outlive.
Sunil is a graduate of The University of Stuttgart. He is a Certified Financial Fiduciary (CFF™) and has pledged to always put the needs of his clients above his own.
Michael Caprai, Certified Financial Fiduciary® , AIF®
Michael is the founder and managing member of Green Leaf Financial Consulting, LLC, and has more than 30 years of experience in business and business management. His passion for helping people was realized early in life. Having watched his mother struggle through raising five boys on her own with nowhere to turn for honest financial guidance, Michael doesn’t want others to have to go through what he and his family endured. This experience drove him to specialize in financial planning and investment management for women, families, and business owners. Now, as a business owner himself, serving clients in the Pacific Northwest, he understands what goes into balancing the responsibility of running a business with family life, all while hoping to secure a meaningful legacy.
It was during his successful real estate career that Michael recognized he was limited in his ability to help people, so, in 1998, he entered the financial planning and investment management business. He learned from some of the best during his tenure with Merrill Lynch and Smith Barney, a member of Citigroup. Michael has been using his life experience and his financial planning experience throughout the last 21 years to help clients navigate through major recessions and market downturns. In 2003, Michael left the confines of the large brokerage firms and partnered with Commonwealth Financial Network®, an independent Register Investment Adviser–broker/dealer, and established Green Leaf Financial Consulting, LLC.
Michael is not only devoted to his family and clients but to his community. He has served on several nonprofit boards over the years and provides training to nonprofit boards in legacy planning and donor relations strategies. Michael has been extensively involved at his children’s schools, serving on boards and committees to improve and enhance the students’ educational experience. Additionally, he has served as an honorary chairman for the National Business Advisory Council and on the Eugene Area Chamber of Commerce Local Government Affairs and Economic Development councils.
Giving back is important to Michael, so when asked, he agreed to teach a Practical Wealth Management class at the University of Oregon Lundquist School of Business to MBA and MSA graduate students. Michael strives to impart education to these students regarding the difference between product sales and true consulting in the investment and financial planning arena.
In his free time, Michael enjoys spending time with his wife, Tiffany. They love creating meals, cooking and serving them to family and friends. He also enjoys a variety of outdoor activities, including, tennis, hiking, backpacking, and boating in the Great Northwest, as well as fly-fishing in Oregon and Montana. Michael has been involved in youth athletics and coaching (tackle football and track) for more than 30 years. Michael lives in Eugene with his wife, who owns and operates her own business as an independent mortgage broker.
Registrations and Designations Cumulatively, the knowledge obtained with these registrations, licenses, and designations better equip Michael to assist his clients in navigating their financial journeys.
FINRA Series 7 and 66 securities registrations (held through Commonwealth Financial Network)
Life, health, and long-term care insurance licenses in Oregon and California
Accredited Investment Fiduciary® (AIF®) designation obtained through The Centers for Fiduciary Studies, where he spent a considerable amount of time in intensive, in-depth study
Michael Caprai, Certified Financial Fiduciary® , AIF®
I have been a financial advisor for over twenty years. I also have an accounting background prior to that. My specialty includes working with retired individuals who are interested in setting up a pension for themselves using various methods that fit their needs. I also help clients with their retirement goals and home buying goals. I enjoy teaching my clients the fundamentals of investing and helping them reach their ambitions. Most of all I do enjoy helping my fellow clients in all their financial matters.
Daniel Stewart is Regional Vice President and an accomplished Financial Consultant at Stewart Wealth Advisors. Daniel has extensive knowledge in retirement planning, portfolio and asset management, and insurance. His prior experience working as a Financial Advisor for hundreds of clients at a bank and credit union has made him an expert in the holistic approach to financial advising. Daniel believes that the client must always be put first.
Daniel received his undergraduate education at Christopher Newport University in Newport News, VA. Daniel lives in Southwest Florida and he enjoys the benefits of being so close to some of the most beautiful beaches in the world. When not working, Daniel enjoys biking, tennis, and a good barbeque.
Sabina Pan, Certified Financial Fiduciary® , CPA, MBA
Sabina L. Pan is the founder and principal of Bay CPA Plus, dedicated advisor to investors, entrepreneurs and small businesse owners. She holds an Master’s degree in Business Administration from INSEAD along with a Bachelor’s in Accounting from Golden Gate University. She is a Certified Public Accountant, a Certified Financial Fiduciary®, and Certifed Financial Planner® candidate.
She has professional experiences in public accounting firms, multi-national companies and non-for-profit organizations. And she is the author of two finance books:
This varied professional background gives her a unique perspective in advising clients how to grow their businesses and build personal wealth. She is also business coach for start-ups and non-for-profits.
Outside of her work, Sabina is a wine connoisseur and trained pastry chef from Le Cordon Bleu Paris.
Sabina Pan, Certified Financial Fiduciary® , CPA, MBA
Tim Wood, Founder/Broker of SafeMoneyRetirement.com, has a passion to help educate the public about ways to protect their hard-earned retirement from market volatility and losses. He has advised successful professionals, business owners, and high net-worth individuals for over 20 years, and has always had the ability to meet with someone and make them feel comfortable. Tim's goal is to provide a safe, secure and stress-free retirement for his clients. NONE of Tim's client's have ever lost a dollar due to a market downturn because he ONLY deals in fixed products that offer complete protection from losses. This means his clients can sleep well every night, and so can he. He also offers Medicare, Group Health and Life insurance planning.
As a Certified Financial Fiduciary®, Tim ALWAYS puts his client's needs first in every situation, ensuring they have the best possible plan in place. This begins with every client by going through a thorough Fact-Finder appointment where the client's current situation is examined in detail to determine the best possible course of action to arrive at their specific desired outcome. Then the clients are thoroughly educated about the products and companies that fit their specific situation before proceeding.
Tim is also a chapter president with American Financial Education Alliance (AFEA) where he teaches financial education to the public. You can register for one of his classes at
Tim is originally from Orlando, FL. After attending Valencia College in Orlando, he worked for the Walt Disney Company at the Magic Kingdom as an audio technician for shows and events for 6 years. When Tim left Disney he worked for the Cox Radio Group in Orlando for several years before founding CyberStorm Technologies, Inc. Tim moved his family to the mountains of Tennessee in 2007 and continued to be very successful in his radio and consulting careers, founding The Plan Advisor in 2017 in order to offer ALL of the Safe-Money Retirement products available in the market to his clients as an independent advisor. Being fully independent, he works solely in the best interests of his clients, not the insurance companies.
Tim and his beautiful wife Melissa live in Johnson City, TN and have been married for over 25 years. They have one daughter currently attending college.
As the weekly host of Safe Money Retirement Radio (www.SafeMoneyRetirementRadio.com) on-air show and podcast, Tim focuses on providing retirement strategies and solutions that explore ways to protect retirement money, increase income, and protect against potential market losses and economic volatility. He also brings into focus potential health circumstances, taxes, and those unforeseen situations that can be devastating to principal assets in retirement.
Tim enjoys fishing, hiking and golf and is an avid college football and basketball fan. Tim and his wife enjoy traveling together and "get away" as often as possible.
"As an independent broker/advisor and a Certified Financial Fiduciary®, I am able to provide for my family and make decisions in the best interests of my clients, not some insurance company. From the initial fact finder appointment to finding the best option to transferring funds, I keep things transparent and pressure-free." - Tim
“There is nothing more rewarding to me, than to build a solid financial plan for my client, and then helping them achieve their goals through life’s little ups and downs. I make a point to be available and work side by side helping clients achieve financial security.”
Kyle Addington, CFF® is President, Director of Financial Planning for American Wealth Advisers, PLLC a financial services company specializing in wealth accumulation and retirement income stream planning and has over 20 years of experience as a financial advisor for small business owners and high net worth clients. Mr. Addington specializes in designing, implementing and administering individual and small business retirement plans
Mr. Addington is a Certified Financial Fiduciary®, Registered Representative and Investment Advisor Rep with Independent Financial Group, LLC a Registered Broker-Dealer and brings extensive financial and management experience working with two of the largest Fortune 500 companies during his career and numerous private sector high net worth clients.
Prior to launching American Wealth Advisers, Mr. Addington founded and managed Addington Advisors, LLC an investment firm that specialized in retirement planning for professional athletes, small business owners and their families.
Before working in the securities industry Mr. Addington was a Senior Pricing Analyst for a division of Wal-Mart Stores, Inc. He received a Bachelor’s Degree in Strategic Management from the University of North Texas.
Mr. Addington is very active in the community and supports several local charities. He currently serves as Co-Chair for the Marine Corp Reserves Phoenix/Maricopa County Toys for Tots Foundation and board member of the Litchfield Park Friends of the Rec foundation and is past Treasurer and Rotarian of the Year of the Rotary Club of Litchfield Park. Mr. Addington is a former City Commissioner for the City of Litchfield Park and former President of the Village at Litchfield Park HOA. He and his wife Melissa enjoy traveling, going to sporting events, watching old movies and playing golf any chance they get.
Investment Advisor Representative offering securities and advisory services through Independent Financial Group, LLC (IFG), a registered broker dealer and investment advisor. Member FINRA/SIPC. American Wealth Advisers, American Wealth Advisers Tax and Accounting and IFG are unaffiliated entities. For a list of states in which we are registered to do business, please visit www.americanwealthadvisers.com Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party sites.
With over three decades of business experience and financial services knowledge, Len has guided numerous seniors as they navigate through the many options for retirement. He presents strategies for principal protection and income accumulation without market risk. As a result, not one of Len’s clients has lost money in a market downturn. His motto “Safety First in Retirement”!
Len firmly believes in treating clients as family: always with the upmost honesty and integrity.
Len is the co-author of “The Power of Leadership; Being the Leader Producing Results.” He has collaborated with Mr Tom Hegna who host the PBS Special “Don’t Worry, Retire Happy” and “Pay Checks and Play Checks”. Also, Len is an author of over 20 published articles and has made several radio and TV appearances on personal empowerment and financial freedom. Len continues to be an approved member of the National Ethics Association, National Social Security Association, National Association of Professional Agents,Better Business Bureau and National Association of Financial Fiduciaries.
Len has been the host of, “Safe Money Radio” airing in Tampa, Sarasota, Ft. Myers, Naples, and West Palm Beach, Florid and now host a TV show called “Safety in Retirement TV on ABC and CBS in West Palm Beach Fl. His program is educational and discusses how to get out of the Wall Street Casino and away from the roller coaster that is the stock market. As an alternative, Len explains how fixed indexed annuities can provide security - never losing principal and participating in some of the upside through indexes offered by large, safe insurance companies.
Len was recently honored with an esteemed invitation to become an “Invited Author” and contributing author in Think Advisor.
Len has authored two recent articles: one on reducing risk in uncertain markets (Click HERE) and another about the advantage of annuities in bear markets (Click HERE) to read his articles and learn more. Hear Len discuss protecting retirement assets with the right investment strategy HERE.
Ken has spent over 30 years in the financial services business. My passion is working with retirees that have spent their lives working hard and sacrificing to save for their retirement! Now that they are there, do not know how to handle their retirement funds! My business, Common Sense Retirement Solutions (CSRS), focuses on funds available, along with social security planning to future cast their goals and objectives in the most holistic manner.
Additionally, being a Federal Retirement Consultant (FRC) as a well as a FFEBA representative, work with federal employees from all areas helping them navigate through their benefits from their federal pension plan to TSP to FEGLI to social security timing.
Rick Dennis started Conservative Retirement Solutions, LLC in 2004, after he saw the negative impact the “Dot-Com” stock market crash of 2000-2002 had on the retirement savings plans of his fellow Baby Boomers. His goal in starting the company was to offer a safer financial alternative to people who were saving for their retirement, and this remains his main priority today.
Conservative Retirement Solutions, LLC is located in Houston, Texas, and caters exclusively to clients who want "safe, secure and guaranteed" retirements. Our clients a) don't want to risk losing any of their retirement money by placing it in the stock market, and b) don’t want to risk the possibility of “outliving their money.”
We help our clients achieve these results of “no stock market losses” and “guaranteed lifetime income” by only using “safe money” financial products that are “contractually guaranteed” to never lose money during market declines and are issued by “legal reserve” life insurance companies.
Below is a partial list of guaranteed retirement solutions available for our clients:
• Retirement account growth without the risk of loss