Only Fee-Only

Sean's Bio:

I graduated from the U.S. Naval Academy in 1992 and served in the Navy for twenty years as a surface warfare officer. My education in financial planning began in the spring of 1994 when a Naval Academy classmate who cared enough about my wife and me to not take no for an answer told us, “We’re going to dinner Wednesday night.” Tom routinely chose great restaurants, so we showed up at the appointed place and time without discussion or complaint.

Dinner was unremarkable. Fixed menu rubber chicken fare. Perfectly adequate, just not the over-the-top good stuff we were used to Tom picking out. But the seminar given during dessert changed our lives. In less than sixty minutes, we were shown the simple outline of a financial plan to get us moving in a sustainable fashion toward a comfortable retirement. And afterward, Tom introduced us to the man who would be our agent for twenty years. Dave helped put us on our path to financial independence in 1994 and helped us make the adjustments along the way to keep us on it. And when I retired after twenty years of Navy service, he mentored me into the financial services business.

Among dozens of things Dave taught me over twenty years, two of them were critically important. One of them was the sort of product knowledge that got me credentialed and sufficiently competent to help others identify their own goals for financial independence. Far more important was the spirit of service he exemplified every day. Lots of people talk the “client always comes first” talk. Dave walked it, being just as candid with us when we were on track as when he thought we were getting ready to make a mistake. And we always felt his recommendations were in our best interests. It wasn’t just that his interests were secondary. They didn’t enter into the conversation at all. It was in that spirit that I got licensed in 2013 to help families plan for their own sustainable financial futures.

My wife Jennifer and I have been married since 1992. When I retired, we decided to put down roots in Chesapeake Virginia, in the community where we have owned a home since 2001 and, when not stationed overseas, raised our three daughters.

Social:

https://www.linkedin.com/in/sean-gillespie-1801316/

Andrew's Bio:

Hi, I’m Andrew.

I help educators and government employees make sense of their finances so they can focus on living life.
When I was a teacher and DC Public Schools staff member, I signed up with one of the salespeople pushing expensive 403(b) plans. When I learned I was set up to pay hundreds of thousands of dollars in unnecessary fees over the course of my career, my outrage fueled a passion to help other educators.
Now I’m a CERTIFIED FINANCIAL PLANNER™ professional working with educators and government employees in Washington, DC, Maryland, and Virginia.


Andrew's Social:

https://www.linkedin.com/in/andrew-katz-moses-cfp%C2%AE-7987299/

Twitter: @mrkatzmo

Jesse's Bio:

Jesse serves as an Associate Relationship Manager at Cobblestone. He received an M.S. and B.S. in Mechanical Engineering from the Hajim School of Engineering at the University of Rochester. Prior to joining Cobblestone, Jesse worked for six years at L3Harris, specializing in Mechanical Analysis on satellite telescopes. Jesse’s written articles on personal finance and investing have been featured on CNBC, Yahoo Finance, and the Wall Street Journal. Jesse, his wife Kelly, and their foster dogs reside in Gates.

Social:

Twitter - @BestInterest_JC

Linkedin - https://www.linkedin.com/in/jesse-cramer-11b58155/

Bio:

COLIN OVERWEG, CFP®

Professional:
I was sick of commission, proprietary products, sales quotes, clucky technology and being told how to help my clients so left the broker dealer world forever and launched Advize Wealth!
Since then I've been name an Investopedia Top 100 Advisor in the Country, serve on the Board for the Financial Planning Association, frequently guest lecture at Universities have been feature in multiple publications.
My passion is to power yours!

Personal:
I live in Los Angeles, CA with my amazing wife, Alyse! We make frequent visits to our home towns in Michigan to visit friends and family.
When I'm not working, you can find me at the beach attempting surf, long boarding, mountain biking, making financial vlogs, golfing and traveling!


Social:

https://www.linkedin.com/in/colinoverweg/

Twitter: @colinoverweg

Guy's Bio:


With over 20 years in the financial services industry, Guy has extensive experience as a family-centric investment advisor. He specializes in estate planning, inheritance oversight, and wealth transfer strategies for families. 

Previously with Citi, Bank of America Investment Services, and MML, his ultimate ambition was to provide unbiased estate oversight and launched a private practice in 2010 which would grow into core planning.

Growing up in south Ferguson, Guy attended De Smet Jesuit High School through its work-study scholarship while earning a full ride as an Evans Scholar to the University of Missouri-Columbia. After studying Finance and Fine Arts at Mizzou, he followed up with a Masters Degree in Finance at Webster University in St Louis.

Nationally recognized, Guy's advice has been quoted by such outlets as Inc. Magazine, Newsweek, Forbes, US News, Consumers Digest, Fox Business, TheStreet.com, Parade Magazine, MSN Money, Nasdaq.com, Financial Advisor Magazine, On Wall Street, and Yahoo Finance among others.

Blessed with wonderful family and friends, Guy loves outdoor activities such as trail-running, kayaking, hunting and fishing. He is actively engaged in the community, volunteering on multiple nonprofit board seats.  

Always cultivating creative imbalance with art: oil, acrylic, and fused glass.

He and his wife, Jaime Lee, live in O'Fallon, Missouri with their four amazing, loud, and loving children.



Social: 

https://www.linkedin.com/in/guypenn/

Twitter: @guympenn

Tyrone's Bio:


Tyrone Ross is the CEO and Co-founder of Turnqey Labs, Inc. and President and Founder of 401 Financial, a registered investment adviser. Formerly as the CEO and Co-founder of Onramp Invest he raised $7M in venture capital from Gemini’s Frontier Fund, Coinbase Ventures, SoftBank’s Opportunity Fund and others. He has been recognized by Investment News 40 under 40 (2019), and WealthManagement.com as a top ten advisor set to change the industry in 2019. FinancialPlanning.com named him as one of 20 people who will change wealth management in 2020. He was recently named as Investopedia’s Top 100 financial advisors, Think Advisor’s 2021 IA25: VIP’s Pushing Advisors Forward, and most recently acknowledged as one of Barron’s 10 people to watch in wealth management in 2022. 


Social:

https://www.linkedin.com/in/tyroneross/

Twitter: @TR401 

Colin's Bio:

Colin is the founder of Zizzi Investments along with his brother Brennan. Investing and soccer have been two of his biggest passions for as long as he can remember.

Colin studied finance and accounting at American University, where he was also a four year member of the NCAA Division 1 soccer team. After college, he moved to Spain for 16 months to pursue his dream of playing professional soccer. He returned home to play professional soccer in Central PA for the next three years.

While still playing soccer, it was by completely by chance that he joined a local advisory firm where he spent the next 10 years. During this time, Colin earned his CFP®, AIF®, and CEPA® designations while helping to oversee more than $500 million of qualified retirement plan assets and $100 million of individual wealth management relationships.

Colin resides in Mechanicsburg, PA with his wife Molly, his son's Carter, Julian, and Leo, and his dog Sage.

Colin's Social:

https://www.linkedin.com/in/colinzizzi/

Twitter: @ColinZizzi


Music in this episode was obtained from Bensound.

Ann's Bio:

I’m also a CFP® and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, author of The College Financial Lady blog  (thecollegefinanciallady.com). My blog has approximately 15,000 subscribers in various media (blog, Facebook). In addition, I’m regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. I earned a BA from the University of California, Berkeley, and am a member of Phi Beta Kappa and of NAPFA, the leading association of fee-only financial advisors.  

Early in my career as an advisor, I noticed that clients had so many questions about college—and very few advisors were willing to tackle those questions. Since I kept hearing the same questions again and again (and wanted the answers myself), I started writing down answers in blog format, and The College Financial Lady was born. After seven years, I have developed a wealth of content on this topic through research, interaction with readers, and personal experience. Two years ago, I had an opportunity to put my knowledge to the test when the time came for my own children to apply to college. 

Social:

Twitter: @anngarciacfp

Linkedin:  https://www.linkedin.com/in/ann-garcia-cfp/

https://howtopayforcollege.com

https://www.ipawealthmanagement.com/




Music in this episode was obtained from bensound.

John's Bio:

“John is the only financial advisor you’ll ever meet who’s managed over $3 billion and a sushi kitchen.”

That’s what it says on my public relations bio at least, and I’d bet it’s true. My path to financial planning was neither straightforward nor easy. That winding road gave me a unique and valuable perspective on investing and life. 

After working through the crucible of the 2008/9 financial crisis, I decided to take a page from Monty Python... “And Now for Something Completely Different.” In 2010 I opened Rold Rite Sushi, a wholesaler of fresh sushi and other Asian foods to the trade. I grew the business until I sold it in 2015 to take on the most important job of my life to date, as a stay-at-home dad.

When my son entered school, I knew I wanted to return to finance. This time I have a selfless desire to help people that I learned by working in the food business. Food service workers want to make people feel better. I want to share knowledge and wisdom that can help folks better prepare for the future. I want my clients to feel better and worry less about their future because they have a plan for it.

I spent decades on Wall Street. I traded and designed some of the most complex bonds ever seen. Then I managed massive portfolios for large institutions. I learned two important lessons from that time.

• First, the more complex the investment, the greater its costs.
• Second, the greater its costs, the worse it performs.

For investors, simple is better than complex. Einstein said, “Everything should be made as simple as possible, but not simpler.” My mission is to give you more simplicity and less complexity – in both investing and in life.


John's Social: 

Twitter: @StojBoj

https://www.linkedin.com/in/johnstoj/

Music in this episode obtained from Bensound

Kaylin's Bio:

When my dad died his life insurance policy was supposed to name my sister and me as the beneficiaries according to his divorce agreement with my mom. It turned out he had changed the beneficiary to his new wife. I was a teenager, and this was my first time learning that there’s no one out there making sure people stick to their legal agreements. It seemed bizarre to me that the only mechanism to enforce an agreement is to pursue someone legally after they’ve broken it. Surely lots of people don’t even mean to break their agreements, right?

When my husband and I got married we first signed a prenuptial agreement. By that point I’d already learned that it was up to us to make sure we upheld the terms of our own agreement. We didn’t have an authority figure reminding us how to title our accounts and property, paying attention to which accounts should receive what type of income deposits, or making sure we maintain life insurance, as we’d agreed to do. But I started thinking: wouldn’t it be nice if we did?

Financial advisors are in a unique position to help families proactively keep family law out of their family’s choices.

Whether it’s for a divorce or a marriage, couples don’t enter into marital agreements lightly. This is why I care about helping couples uphold the agreements they’ve made all the while helping them plan confidently for their future together.


Kaylins Social:

Twitter: @kaylindillonfin