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!
Irma Hampton is a Dynamic Financial Professional. She has an extensive background in financial planning, wealth management, alternative investments, strategic planning, market analysis, and client relations.
With over 30 years of experience across financial services, Irma is currently a hybrid Registered Investment Advisor (RIA), working with Wealthcare Capital Management LLC (WCM) and their goals-driven financial planning software with LPL Financial as her broker-dealer. As a Financial Advisor, she is responsible for working with client's accountants and attorneys, providing exemplary service in all of the areas that need attention, including retirement planning and legacy planning. She also enjoys working with people who are financial delegators. She holds the designations as CRPC, ADPA, and proudly, a Certified Financial Fiduciary, where she is committed to always do what is in the client’s best interest. In addition, Irma is also Series 7 licensed (and 63,65) as well as licensed to offer life insurance , disability, and long term care insurance.
Along with her professional career, Irma serves as a Yoga Teacher for The Seven Spiritual Laws of Yoga by Deepak Chopra.
Outcome-Focused: So often the process is the planning focus when what really matters is the outcome. We don’t just help folks find the best investments, we help them become better investors.
Financial Road Map ® for Living Life on Purpose: All successful planning is Goal-Focused and Plan-Driven while failed planning is Market-Focused and Current Events-Driven.
Client Value Promise: CARE Program “Client Achieving Retirement Excellence” Pledges to…
·Align your financial choices with your most important goals and most deeply held values.
·Get your entire financial house in perfect order and keep it that way forever.
·Have a 10 level of confidence that no matter what happens in the markets, the economy, or the world you will achieve your goals.
Since 1997 Ken has been providing high-quality financial planning services because he is invested in helping others achieve their goals and really enjoys sharing his passion and experience to help people strategize how to make their dreams a reality.
Ken helps simplify complex material so clients understand the concepts and strategies being utilized.
Out of the office, Ken enjoys practicing hot yoga, gardening, traveling the world, and a wide range of recreational activities. He also finds time to build furniture. Ken and his wife Desiree and their daughter Margot live in University Place, Washington with their two American Cocker Spaniels Bruno and Bosley.
Ken Behm is a representative registered with and offer only securities and advisory services through PlanMember Securities Corporation, a registered broker/dealer, investment advisor and member FINRA/SIPC. PlanMember is not responsible or liable for ancillary products or services offered by this representative.
The Picture You’re Painting:It’s about what YOU want
Seek first to understand, then to be understoodis a great quote from author Stephen Covey.However, many in the financial world have it backwards.Too often advisors seek first to be understood (sell their product).This “sale” becomes the focus and the goal.As a result, they often fail to take the time to understand who you are, your retirement goals, dreams and concerns about current or future economic conditions.As a result, then may not allow you the time to “Paint Your Picture”.Some seem to forget that retirement is one of the biggest transitional times in your life and therefore the development of a solid plan should not be rushed into.It should take time to develop over several meetings.
Bryan Rich has been serving clients for over 29 years.He strives to teach a balanced approach to retirement while highlighting both the positives and negatives of options available.He began his financial services career in 1992 prior to graduating with honors just 2 ½ years after high school from Liberty University with a Bachelors degree in Business: Finance. After working for over a decade for a national financial planning company he decided to pursue his own career.As part of that decision, in 2005, he assisted experienced insurance and investment professionals from the Roanoke Valley in establishing Secure Financial Group, Inc. of Roanoke, VA. Since its founding Mr. Rich became the face of Secure Financial after speaking to hundreds of “50 and Uppers” throughout the Roanoke area in presentations and educational workshops. Now, as President of SFG since 2008, he has continued to develop strategic relationships with attorneys, CPA’s and other experienced professionals in order to provide a holistic approach to financial and estate planning. These NETWORK Partners share in SFG’s desire to fully inform and educate each and every prospective client.
Bryan is proudly an independent advisor when it comes to meeting the insurance and lifetime income needs of his clients.In 2007 Bryan passed his Series 65 Exam and is currently an Investment Advisor Representative for Brookstone Capital Management www.brookstonecm.com.When dealing with the risk portion of your portfolio, along with BCM Bryan provides fiduciary advice.This helps promote a balanced approach to retirement…it is not one-size fits all. Risk options provide more upside potential, while protected options offer peace of mind…it is a balanced approach.
PEOPLE FIRST, MONEY SECOND is not just a motto; it is the way SFG chooses to do business by taking the time to get to know you and the “Picture You’re Painting” for this stage of life before we ever start talking about the “products”. The “products” are important, but they are simply the tools.How do we know what tools to use until we know what you want to build?
Let’s dream a little first.Then, once your goals for retirement are understood we help you implement the ABC PLANNING PROCESS. This process is designed for the Conservative & Moderate Investor who doesn’t want to simply leave retirement to “I HOPE IT WORKS” -- or “IT SHOULD WORK” – well, as long as the stock market does what I want it to do.Risk investments certainly have their place and are a major part of the ABC PLANNING PROCESS. But, first we must ensure our Liquidity and Income needs, then chase risk for greater return potential.So, the key question is not, “What kind of returns might I get?”Nor is the question, “Can I afford to retire now?” No, the key question should be:“Am I in a position to retire and most importantly…STAY RETIRED?”All with a level of risk that if the market has a major decline you can step back and say, “I’m still okay”.
Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor.BCM and Secure Financial Group are independent of each other.Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents
Tami Czajka, CFF, is a financial advisor with Macro Money Concepts. She has been in the financial services industry for over 25 years. She started as an assistant Underwriter with an insurance brokerage agency. She then moved over to the independent agency with her husband, Charles (Chuck) who has been in the industry for over 40 years. Together she and her husband (Chuck) own and operate Macro Money Concepts located in Stuart Florida.
Our passion is helping people and small businesses reduce taxes, increase income potential and provide maximum benefits to improve their overall wealth through safe money strategies.
Hi I am Darryl.As your financial well-being strategist and advisor my goal is to remove the complexity of financial planning by providing coaching, mentorship, accountability, and a "let's get it done" mindset, which I gained through years of self-less service as military, government civilian and private industry servant helping the “good guys” find the “bad guys”
My true passion however has always been in helping others pursue financial, personal, and professional success. This passion is fueled by the recognition that any success I have achieved in life has been through the support and mentorship of family, friends, close associates, industry professionals.Although I am “just a common, hardworking ordinary guy” who like most has experienced life’s “ups” and “downs,” I attribute the successes I have had to the advice and guidance of those who have poured into me financially, personally, and professionally.It is this level of commitment I will pour into to you.
Other/Fun Facts:
·I am a Certified Financial Fiduciary holding 6/63, health, life, and P&C licenses
·I have over 13 years’ experience in personal financial services industry – includes insurance, financial planning and income tax preparation and planning
·I am a veteran (retired) of the United State Air Force (USAF)
Cary J. Cowan Sr. began his career in the insurance industry in 1970. After establishing his own firm in 1979, he expanded his practice to include financial and retirement planning, investments, and business planning.
Cary feels that a true financial professional listens to clients and prospects and understands what is really being said. "You have to be empathetic to your client's needs and not your own pocketbook." His philosophy believes in forming long term relationships and not just clientele.
Cary developed the Lifetime Financial Strategies ProgramSM. This is a six step process which he believes assists clients in realizing their lifetime vision. Cary utilizes this process with all of his clients, ensuring that both he and his clients understand the goals and visions that his clients want to achieve. He authored The Lifetime Financial Strategies, a 21st Century Financial Planning Process. It is a book based on the philosophy of relationships first, taking you through a case study of a couple needing help.
Cary is a member of the Financial Services Institute, the Financial Planning Association, the Society of Financial Service Professionals, the American Society of CLU and ChFC, PACE, and the National Association of Life Underwriters. He is also a qualifying, life, and Top of the Table member of the Million Dollar Round Table.
Brian has a Certificate for Financial Planning from Boston University. With over 20 years of financial industry experience he has previously worked with institutions such as AIG, Edward Jones, BrokersXpress, ISC Group, SCF Investment Advisors Inc and Crown Capital Securities, LP. Brian is currently Managing Executive and Chief Compiance Officer of Toro Bravo Investment Advisors, LLC, a Texas state RIA firm. He was privileged to ring the closing bell at the NASDAQ in 2013. Additionally, Brian has been the recipient of many financial industry awards. Brian earned the professional designations of Registered Social Security Analyst (RSSA) and Certified Financial Fiduciary (CFF).
Brian has also been involved in philanthropy and civic activities with the Hale Center Emergency Medical Services (EMS) and in prison ministry.
Brian extensively fundraised and successfully applied for grants on behalf of the Hale Center EMS raising more than $210,000 and sat on its board of directors and received recognition for his efforts. He was a finalist for the ‘Invest in Others’ community service award for his work with Hale Center EMS.
Doug began his professional career in the Property & Casualty side of the financial industry earning 8 designations, including the Charter Property Casualty Underwriter (CPCU) designation. After five years as an underwriter, he joined AXA Advisors, LLC located in Bala Cynwyd, PA.
In July of 2014, Doug entered the world of total wealth management by joining 3 Dimensional Wealth Advisory in New York, and in 2018 formed a partnership with fellow advisors Jeffrey Higgs and Christopher Natale.As an advisor at 3 Dimensional Wealth Advisory, Doug focuses his time and efforts on providing financial advice to families, future and current retirees, and small businesses through asset allocation, income protection, estate planning strategies, and wealth preservation strategies. Doug is Series 7, 63 & 65 licensed with FINRA along with his Life and Health License. He is a registered representative of Vanderbilt Securities, LLC.
Doug obtained his B.S. degree in Mathematics from Saint Joseph’s University in Philadelphia, PA. He achieved his Master’s in Business Administration (MBA) with a concentration in Finance from the Haub School of Business at Saint Joseph’s University in 2015. He received the honor of being inducted into Pi Mu Epsilon (Mathematics Honor Society) and for his Master’s coursework, Doug was inducted into Beta Gamma Sigma (International Business Honor Society).In 2016, Doug earned the Certified Retirement Planning Specialist (CRPS) designation, and in January of 2020 he earned his Certified Financial Fiduciary (CFF) designation.
In his free time, Doug gives back to Saint Joseph University by serving as a member on the Barbelin Society Committee. He enjoys playing golf, basketball, and spending time with his 3 kids and wife.
Chad Willardson, CFF, CRPC®, AWMA®, is the President of Pacific Capital, a fiduciary wealth advisory firm he founded in 2011 that serves entrepreneurs and families. He is the bestselling author of two books: Stress Free Money & Smart Not Spoiled, which have been featured in Forbes's "21 Books To Read In 2021" and on NBC News and Yahoo! Finance. In addition to serving the family office clients of Pacific Capital, Chad also manages the $375 million investment portfolio as the elected City Treasurer in his community. Chad is recognized as one of the top wealth management experts in the country and has appeared in The Wall Street Journal, Forbes, Inc., U.S. News & World Report, InvestmentNews, Entrepreneur, and Financial Advisor Magazine. He lives in Southern California with his wife, Amber, and their five children.
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