Laryssa Freeman, CFP®

About Laryssa Freeman, CFP®

I recognize I’m not a good fit for everyone, and that’s ok! I offer a complimentary introductory meeting so that we can be open and honest from the outset to ensure our mutual compatibility.

New clients are typically concerned with taxes in retirement, understanding if their assets will last throughout retirement and coordinating assets to replace their paycheck.

I offer flat fee financial planning or ongoing comprehensive services to take the heavy lifting off your plate. Your choice!

Stu Sutphin, CFP®

About Stu Sutphin, CFP®

Hi,

​ My name is Stuart Sutphin (or Stu if you know me outside of work). I first discovered Financial Planning while attending Pamplin College of Business at Virginia Tech. When exploring the various options that existed, my academic advisor began telling me about financial planning for people. He spoke of the relationships and trust that advisors build with clients, and how I can be an instrumental resource in the growth of others by helping them with their finances. I will admit that if anybody was around, they would have seen my eyes light up and my interest sparking during the conversation. By the end of the talk, I knew where my destiny was leading me next. I committed to the education process and now have the pleasure of living that dream. I am now in a position to help people with their finances whether it relates to investing, taxes, estate planning, student or general debt management, preparing for college, preparing for retirement, living in retirement, and really anything that requires making a financial decision. For me, I enjoy helping my clients feel peace of mind with their decisions and trusting me to help better themselves. Not only do I want to support my client’s future endeavors but I also want to help them obtain mental and emotional peace with their decisions so everybody can be happy all around. So, that’s the story of how I am now in a position to serve the community and the world around me.

As for what I do outside of working with my wonderful clients, I love spending time with family and friends playing board games, swapping stories, hiking, exploring food options, and in general enjoying each other’s company. I tend to also be attracted to subcultures and as a result, my hobbies span a wide range including HEMA (Historical European Martial Arts – AKA sword fighting), photography, biking, hiking, volunteering at the local animal shelter and veterinary clinic, cooking, and most importantly all things coffee 😊.

If one quote could sum up the journey of my life, it would be:

“When the student is ready, the teacher appears.”

~ Tao Te Ching

To me this represents a teachable spirit open to learning, new opportunities, and possessing a pure heart that is ready to evolve and grow. This has been true for every pivotal moment in my life. Because, when I was ready, without fail a teacher appeared to help guide the way through my new opportunity, and I hope to provide you with a new opportunity to grow just as I have been able to do.

Sincerely,

Stu

Elliott Appel, CFP®, CLU®

About Elliott Appel, CFP®, CLU®, RLP®

Having spent the first decade of my career with a large wealth management firm in Seattle, I launched Kindness Financial Planning in 2021 to work with fewer clients and focus on widows, widowers, caregivers, and families affected by major health events.

Their stories resonate with me because my dad was diagnosed with Stage IV Lung Cancer on July 18, 2016. He has had brain radiation, chemotherapy, and immunotherapy. We have navigated oncologists, surgeons, palliative care doctors, neurologists, endocrinologists, pain clinics, psychiatrists, social workers, pain clinics, nutritionists, and more.

Since then, I’ve been drawn to people going through similar situations. I enjoy our conversations, hearing what is important, and helping them navigate the uncertainty life throws at them.

Through these conversations, I have learned that when faced with loss and grief, brain fog usually takes over. What was once easy becomes challenging. Sometimes, only one person was involved in the financial decisions and the survivor needs another layer of support.

I meet people where they are, listen, and organize what needs to be done to build financial security. I help people make sense of what is urgent and what can wait. Together, we’ll do tax planning, review estate plans, build customized investment portfolios to create the income they need, and more. Then, I am with them every step of the way.

I graduated Summa Cum Laude from Seattle University. I hold the CERTIFIED FINANCIAL PLANNER™ designation, Chartered Life Underwriter® designation, and I am a Registered Life Planner®.

Outside of work, you can find me playing tennis, running with my fiancée, biking, hiking, attempting to play the guitar, or cooking.

Carolyn Masline, CFP®, MBA

About Carolyn Masline, CFP®, MBA

I am the Founder of CareGen Wealth Management and a Wealth Advisor providing fee-only financial planning and wealth management services with customized solutions for my clients, with a primary focus on women.

My clients may be widowed, divorced, primary breadwinners, entrepreneurs, retirees, or inheritors. They’re looking for someone to literally and/or figuratively sit right next to them, hip to hip, as they make financial decisions that impact their lives and the lives of those who are important to them. My ultimate goal is to empower my clients to believe in themselves, make the most of their resources, make smart decisions, and forge better financial outcomes.

Prior to starting my own firm, I was a Vice President with Goldman Sachs, Personal Financial Management and have worked in the financial services industry since 2006 following an earlier career working in the aerospace and information systems industries. I studied Financial Planning at UC Berkeley, have an MBA from the University of Southern California, and a Bachelors degree in Mathematics and Economics from UC Santa Barbara. I am a CERTIFIED FINANCIAL PLANNER(™) professional, and hold the Accredited Behavioral Finance Professional(℠) credential.

I live in Northern California with my husband where we raised our three children after living in Southern California and the Midwest earlier in my life. When I’m not working with clients, I love to visit my kids in Brooklyn, Phoenix, and Los Angeles. (If you’re curious, ask me about how this relates to my Family Mission Statement.) I also enjoy spending time in Park City, Utah downhill skiing, hiking, or seeing films at the annual Sundance Film Festival.

Doug Lynch, CFP®, CFA

About Doug Lynch, CFP®, CFA, CPA

Lynch Financial Group LLC is a fee-only firm located in Dublin, OH. John Lynch founded Lynch Financial Group in 1989 to provide a high level of comprehensive wealth management services to clients. He chose to operate using a fee-only model — which was unique at that time — realizing the importance of providing unbiased advice to clients and always acting in their best interest. John’s son, Doug, joined the firm at its inception, fresh out of college.

We ultimately decide to focus on a specific niche: helping retirees and surviving spouses develop an appropriate game plan, minimize taxes, and make financial decisions that are best for their specific situation. Using the LFG Retirement Wealth Management System, we have helped many clients over the years, emphasizing the value of experience, credentials, and integrity.

Doug Lynch, President of Lynch Financial Group, graduated from The Ohio State University in 1989 and holds the Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), and Certified Public Accountant (CPA) designations. He enjoys spending time with his wife and two children, reading, and a variety of different fitness endeavors (a long-time runner recently switched to Peloton and rowing).

Daniel Kopp, CFP®

About Daniel Kopp, CFP®

Hello, I’m Daniel – husband to Anna, widower to Sarah, Air Force veteran, business owner, writer, speaker, CFP® Professional, financial planner, and Christ-follower. I’m the founder of Wise Stewardship Financial Planning where we offer fee-only, fiduciary financial planning and investment advice with a special focus on young widows and widowers as well as servicemembers and their families.

Grief changes everything. I know that all too well from personal experience as I became a widower at 31 and before that, father to 3 children in heaven. My passion and purpose now is to take what I’ve learned from those experiences combined with financial planning and advice to be a help to you in your own unique grief journey. Wise Stewardship works together with you to help gain stability in your current financial situation, prioritize next steps, and walk with you into a new and different future.

Here’s the rest of my story and why I became a financial planner. I’ve always been interested in money since I was a little kid, including out-bidding my siblings for chores-for-hire, to providing loans to my siblings and friends when they had spent all their money and diligently saving my allowance for future goals. Over time this evolved into reading the stock pages in the newspaper as a young teenager and then choosing to major in economics in college. After completing Air Force ROTC at Purdue University, I commissioned as an officer into the Air Force in 2009 but continued my personal interest into personal finances, investing, and all things money-related.

In my college years and early 20s, I read hundreds of books and spent thousands of hours studying financial planning topics. I also had the opportunity to be a volunteer financial counselor during many of the years when I was on active duty in addition to helping and educating family and friends over the years. Thanks to countless help along the way, I learned more about the financial services industry and found my way to fee-only, fiduciary financial planning. It was through these experiences that sparked my passion and helped me realize what I wanted to do whenever I decided to leave the military!

As an officer on active duty for almost 9 years, along with a brother, sister, and brother-in-law in the military, I experienced firsthand the benefits and challenges that military life can have on all aspects of life especially finances. Frequent changes like TDY’s, deployments, and PCS’s add unique potential opportunities and obstacles to meeting goals and dreams. Add in the often disparate and sometimes confusing military pay, benefits, scattered military benefits and discounts, and countless people offering advice or services, and there is often a lack of clarity on how best to optimize all of these to best meet goals.

I’ve seen almost everything military life can throw at you and been through much of what you probably have questions about. I’ve learned a lot about what works and what doesn’t; what’s important and what isn’t. I’m now able to use these vast experiences to help my clients navigate the challenges of the busy military life, get the most out of your hard-earned benefits, and help you achieve your goals.

My journey to become a financial planner was also profoundly impacted by what happened in my personal life. I met and married my wife Sarah back in 2012 and we embarked on military life together, at the time thinking I would be on active duty for a full career. As time went by, God brought countless joys as well as numerous trials. Sarah was a cancer survivor when she survived thyroid cancer at the age of 21, and had experienced other health trials and surgeries in the years before we met. Then in the first three years of our marriage, we experienced the agonizing sorrow of grief from the loss of three children through first term miscarriages. Sarah’s health continued to decline over the course of our marriage and medical answers mostly eluded us as we saw dozens of doctors and specialists.

Sarah became mostly homebound as her energy failed so I became her primary caregiver as family was thousands of miles away while continuing to work fulltime as an officer in the Air Force. However, it rapidly became evident that I could no longer continue down the active duty career path so I began planning to transition out of the military. Given the flexibility I would need as a primary caregiver, I explored entrepreneurship by launching my own financial planning firm to marry my passion for helping people with their finances with my need to take care of my wife.

Before that plan could come to fruition, a medical crisis landed Sarah in the hospital from which followed a cascading sequence of events in which we lived in hospitals across two states for the next six months. Finally, the doctors said there wasn’t much more they could do and Sarah and I made the difficult decision to enter hospice. We were able to spend a precious 6 weeks together as well as flying out family and dear friends to be able to say goodbye. Sarah passed away in the late summer of 2017 as I held her hand and bid her an earthly farewell. She was only 32, and we had been married just under five truly amazing years.

Suddenly, my entire life had been turned upside down. I was 31 and it felt like every plan I had made was shattered yet again.

My abiding faith in God and His endless grace helped bear me up in the agony of grief in the months that followed. Thanks to the boundless support of my family, fellow young widowed spouses I connected with, my church, Air Force family, network of friends, and an invaluable grief counselor, I found a way to keep moving forward.

I also received further confirmation of the incredible value of financial planning when I hired my own financial planner in the middle of my grief journey to help me sort through all the variables of my financial life, have a compassionate and rational (as sometimes my grief was not very logical) outside perspective, and figure out what my new financial future might look like. I also gained an inside perspective to the other side of the estate planning experience as I acted as the executor of my wife’s estate. I dealt with everything from dealing with creditors, bequeathing personal items, transferring titles of houses, vehicles, settling life insurance policies, closing accounts, and much more. While I would never have wished to learn in this way ,these unique personal experiences prepared me to understand not just the “science” of estate planning, but also the intimate and personal art if helping clients work through the full range of emotional nuances in this process.

I ended up separating from the Air Force in early 2018 and embarked on an 8 month sabbatical. Sarah and I long considered taking a few months off after active duty so we could travel some more, visit friends and family across the US, and take advantage of a mid-career transition to do something that otherwise isn’t possible with normal vacation time off. We had been saving up for this opportunity for several years and I ultimately ended up buying a truck and RV trailer so I could maximize my travel flexibility. Over the course my sabbatical, I visited 38 states, drove more than 27K miles, saw 14 National Parks, visited dozens of friends and family, and made incredible memories!

The time off gave me opportunities to heal, rest, think deeply, journal and write, and lay the groundwork for launching Wise Stewardship. However, there was something even more amazing and unexpected that happened in the midst of my sabbatical. I ended up meeting someone and falling in love!

In a beautiful story that I could never have imagined on my own, God brought Anna into my life. Over the course of my sabbatical travels, we began a relationship that quickly became apparent to us and everyone that knew and loved us, that this was something very special.

I ended up moving to the Boston area to join Anna after we got married capping off a whirlwind of a year! It’s been an amazing journey to this place and I’m so excited about this next chapter! Anna is the gift that I thought I would never have. She has demonstrated to me that love and a different future was possible.

Wise Stewardship Financial Planning launched in November 2018 to offer fee-only, fiduciary financial planning to help fellow young widowed spouses as well as servicemembers and their families. I count it a privilege to now help others by taking what I’ve learned about the journey of grief combined with the math of financial advice. Finances are just a tool to accomplish our goals in life so I help people figure out what is most important to them, and then build their lives and finances to be able to accomplish them. I am here to be a companion to you as you navigate many financial issues and life circumstances.

Professional Biography

Daniel Kopp is a fee-only, fiduciary financial planner and founder of Wise Stewardship Financial Planning where he helps young widows and widowers as well as servicemembers get their financial lives in order by aligning their money with their values. He is also an Air Force veteran after almost 9 years as an officer on active duty during which he served as an Air Battle Manager participating in combat deployments and training opportunities all across the world. Outside of his official military commitments, Daniel has always had a passion to help servicemembers and their families master their finances where he served as a volunteer financial counselor during most of his time on active duty.

Daniel is a widower after his wife Sarah passed away in late 2017. In the few years prior to her death, Daniel had become her full-time caregiver due to a variety of health conditions including the loss of three miscarriages. During that time, he learned how to persevere by ordering his life around his faith in God and aligning family, work, and finances with his personal goals. Daniel now combines his financial training and experience helping people with a deep, personal understanding of how grief affects every single area of life.

Daniel is now married to his wife Anna, and lives in the Boston area where they love to explore new places, try interesting cuisines, serve in their local church, and take advantage of the rich history of New England. You’ll find a fast way to become their friend if you play board games with them!

Daniel is a CERTIFIED FINANCIAL PLANNER (TM) having met the rigorous professional standards and agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients. Daniel received his Bachelor of Science Degree in Economics from Purdue University as a third-generation Boilermaker, where he graduated with Highest Distinction (top 3%) and was named one of the Top 10 Krannert School of Business Seniors in a graduating class of over 850. He has also received his Master of Arts in Military Studies and Strategic Leadership from American Military University, and is also pursuing a second Masters of Science in Advanced Financial Planning and Financial Therapy from Kansas State University to even further deepen his competencies. Daniel is also a frequent personal-finance freelance writer and speaker, especially on military-related topics.

Daniel is a distinguished Air Force veteran as a three-time Air Force Distinguished Graduate (#1) for each of his three formal training courses as well as the Air Force’s David C. Schilling Award for the most outstanding contributions to the field of flight along with numerous other awards and accolades in his military career.

Fredrick Standfield, CFP®, CPA

About Fredrick Standfield, CFP®, CPA

Research indicates money is one of the top issues that couples argue about and over 60% of adults identify as a significant source of stress.

At Lifewater, I share financial know-how and create personalized plans to help people avoid financial mistakes and stress so they can achieve financial freedom and live with security and peace of mind.

Since 2000, I have worked with families and individuals regarding personal finances and investment matters. I am a licensed CPA in the states of Georgia and Alabama and FINRA Series 65 licensed. My experience includes over 15 years in corporate financial planning, budgeting, analysis and management, and 3 years with the public accounting firm Deloitte.

Proudest Accomplishments:
– Marrying my lovely wife, Laurie, 23 years ago
– Being a fun and loving father to my sons
– Giving to global missions and ministries that are impacting the world with
love and resources for people who need them most
– Launching my second financial planning firm, LIFEWATER Wealth
Management

Interests:
– All things Family
– College Football – Superfan
– All things Personal Finance
– Movies & Local Foodie
– Travel
– Jazz Music

Skills:
– Listening
– Creating Simplicity & Clarity
– Finance & Analysis
– Strategy & Planning
– Producing Results
– Problem Solving

Read Fredrick’s blog here: https://getlifewater.com/blog

Rachael Burns, CFP®, CDFA

About Rachael Burns, CFP®, CDFA®, AWMA

I’m Rachael, and I help newly single women achieve financial independence after the loss of their partner to death or divorce. I’m a fee-only Certified Financial Planner® and Certified Divorce Financial Analyst® based in Northern California and serving clients across the US.

Over the past 13 years, I’ve advised hundreds of high net worth families, working for ‘traditional’ wealth management firms including Morgan Stanley, Merrill Lynch, and Ameriprise. I learned the lessons, habits, and values that led these families to their wealth, and wanted to share these insights with other women who were earlier in their financial journey.

Through my own personal experiences navigating grief and finances, I found my calling — to support and empower other women during the most challenging transitions of their lives.

My firm, True Worth Financial Planning, offers customized financial planning, divorce financial analysis, and investment management that supports your unique needs and goals. Schedule a free intro call to explore how we can work together: https://trueworthfp.com/book-a-call

Read Rachael’s blog here: https://trueworthfp.com/blog/

Elliott Weir, CFP®, MBA

About Elliott Weir, CFP®, MBA

Helping Widowed Women Find Financial Peace
_____

My name is Elliott Weir, the owner of III Financial. I’ve been working with clients like you since 2004. Come to think of it, it has been longer – before I officially started as a financial planner! Let me explain…

I started my career as a technology geek, having earned a Computer Science degree from Southern Methodist University (Go Ponies!). Once I graduated I secured a great job with Ernst & Young LLP as a technology consultant to Fortune 500 companies.

Then on August 20th, 1997 my life changed forever. After a brief battle with cancer, my father passed away at the age of 50. I suddenly found myself helping my mother with insurance, investments, attorneys, CPAs, and more, because my father was the one in charge of these things for the family.

Why I Share This With You
_____

This formative event explains a lot about who I am, about III Financial, and about what you can expect from me. I choose to work with widowed women because I want to have a meaningful and direct impact on their lives, as I did for my mother.

It took me years to piece it all together into my true calling. In that time, I continued with Ernst & Young, left to earn my Master in Business Administration (MBA) at the University of Texas’ McCombs School of Business, and spent a short while at IBM Tivoli. Then the light bulb went off and I became a financial adviser in 2004.

Read Elliott’s blog here: https://www.iiifinancial.com/widowfinance/

Julie Quick, CFP®, CDFA®

About Julie Quick, CFP®, CDFA®, BFA™

Julie Quick, CFP®, CDFA®, BFA™ is founder of Cultivate Financial Wellness, where she caters her services to helping women navigate the financial challenges associated with big, emotional life changes, such as the death of a spouse and divorce.

Working with a wide variety of clients throughout her 20+ year career has taught her that financial planning is about much more than numbers—it’s about paying attention to the values, emotions and life experiences of each individual person.

Women, in particular, face unique financial challenges. These may include the long-term effects of the gender wage gap, time out of the workforce to care for family members, and longer life expectancies; all of which can be compounded by a death, divorce and other major life events.

Julie lives in White Lake, Michigan, with her firefighter husband, Jeff, and their two dogs, Sullivan and Luger. When she isn’t working she enjoys yoga, running, traveling and working on home-improvement projects.