Jim Crider, CFP®

About Jim Crider, CFP®

I’m the founder of Intentional Living FP, a firm created to help families, like my own, achieve early financial independence. Our job is to help you live the life that you want, understanding that your money is simply a resource to help do this. Together, we navigate the decisions, opportunities, and obstacles that you will face so your money is used efficiently and effectively to serve its purpose in your life.

I am highly trained in financial planning and investment management having earned the Certified Financial Planner (CFP) designation in addition to years of experience as a financial planner at nationally recognized firms. I’ve worked with tens of thousands of families in aligning their financial decisions with their lives. If you’re looking for early financial independence and work optionality I am highly suited to help you and your family. Beyond the countless planning situations I’ve helped others navigate, my family and I are in a similar position. My wife, Kendra, and I are working toward early financial independence so we can have more time to spend with those we love and do more of the things we enjoy. This begins with becoming clear on what is important to you and your family then making intentional decisions to align you actions and your values.

I live in the once-small town of New Braunfels, Texas with my wife, Kendra, and our three sons, Atticus, Asher, and Arlo. When I’m not engaged in a conversation about life and money, I can be found playing dinosaurs or at the park with our kids, playing board games, or in the mountains on an adventure.

Trishul Patel, CFP®, MBA

About Trishul Patel, CFP®, MBA

My name is Trishul Patel, CFP®. I achieved financial independence before 40, and with my 100% virtual advisory business, I get up every day to help others do the same. To get where I am, I prioritized aggressive savings and identified the things that are truly important in my life.

Beyond finance and investing, I am an entrepreneur and problem solver at heart. Creativity and curiosity have always been a part of me. At an early age, I began soldering analog circuits, building computers, and programming simple games. Academically, I also have a few degrees from Cornell University.

I have been investing for almost two decades. Over my professional career, I’ve designed large-scale financial applications for tier-one banks. I likewise managed an exotic options book for a private firm based out of South-East Asia, generating over $750 million in revenue in three years. And I was a Portfolio Manager for a Hedge Fund, managing over $100 million in assets.

Nothing inspires me more than discovering others who are following their dreams. I often feed off the energy of those around me and I enjoy healthy debate and intellectual discourse, especially when it comes to topics that I love and enjoy, such as investing. From my perspective, I simply possess an insatiable desire to learn, understand, and help others.

These days, in addition to helping my clients accomplish their financial and investment goals, I also enjoy blogging, podcasting, biking, and hiking with my wife and daughter.

Jay Zigmont, CFP®, PhD

About Jay Zigmont, CFP®, PhD

I grew up broke. I was never taught how to manage money. I earned my first million by the time I was 21 and spent it before I was 25.

It wasn’t until much later that I learned how to manage and invest my money. I know you can learn too.

I have been a coach in all areas of business and life for over a decade. I have a PhD in Adult Learning from the University of Connecticut. I am a CERTIFIED FINANCIAL PLANNER™. I am Fee-Only and work on a monthly retainer model.

The bottom line is I have the experience and training to help anyone learn how to manage their money and achieve financial freedom.

Michael Schell, CFP®

About Michael Schell, CFP®

Sensible Financial Management, LLC is a fee-only, independent financial planning firm based in Vermont designed to help those who are approaching (within five years) or in retirement. Our focus on retirees allows us to attend to the questions that matter to you such as:

• How much can I reasonably spend in retirement?
• Is my financial situation set up to accomplish my goals beyond retirement?
• Which accounts should I spend from?
• How should my portfolio be allocated to meet my goals?
• Am I adequately safeguarding against threats to my retirement?
• When should I take Social Security?
• How do I get started with Medicare and how do I avoid making costly mistakes?
• Am I taking advantage of tax planning opportunities available to me?

Our mission is to provide you with financial planning options in plain English so you can make the best decisions to have a successful and meaningful retirement.

Jay Karamourtopoulos, CFP®

About Jay Karamourtopoulos, CFP®

Hi!

My name is Jay. I’m originally from Massachusetts and live in the North End of Boston.

Prior to starting Hereford Financial I worked for an investment management company servicing their private clients, a team of financial planners helping put together financial plans, and for two early stage FinTech companies (one in Boston and one in NYC.)

Like many of my peers, I set out to join the tech industry to find more fulfilling work that aligned with my values and provided me with an opportunity to grow and enhance my career through opportunities not easily found at more established firms. I’ve seen first hand the dedication, passion, time and effort that goes into working for a tech company and the fulfillment that comes from bringing a new product or service into the world. However, it leaves little time to understand your RSUs, ISOs, NSOs, ESPPs and how they fit into and affect your financial plan and goals.

My time in the tech space made me realize how impactful and beneficial equity compensation can be, but also how lack of education can cause confusion and missed opportunities, especially for millennials who haven’t accumulated the necessary assets to work with a traditional financial planner.

I created Hereford Financial to help clients in their 30’s and 40’s create clarity around their equity compensation and use it to plan for a secure future while enjoying their life today. There are no asset minimums, which allows me to work with and help younger clients whose financial situations are just as, if not more complicated than those traditionally served by the industry.

Our comprehensive financial planning process will help you create, grow and keep the wealth you have worked so hard for and allow you to spend more time doing the things that are important to you. We’ll ensure that your money is being leveraged as a tool to do more of what you love.

Bryan Curry, CFP®

About Bryan Curry, CFP®

At Bridge The Gap we purposefully choose to work with a small number of clients per advisor, so each client’s situation can be served as a priority. This provides clients with a partnership that goes deeper into your financial planning needs. Our goals is to be the go to for all things financial, and to be your accountability partner in implementation. Many advisors draft clients a plan, but we work to together to live it. We have ongoing planning conversations with our clients around investments, risk management, liquidity analysis, estate planning, tax planning, tax efficiency, and goal fulfillment.

Melissa Walsh, CFP®, CFA

About Melissa Walsh, CFP®, CFA, AIF

Hello there, I’m Melissa!

My mission in everything I do is to make a positive difference in the lives of the people I serve. I aim to enthusiastically help my clients to achieve their goals and to be a trusted partner every step of the way.

I see each day as a new opportunity to enhance the lives of those I serve- my clients, my family, and my community. This intrinsic feel for what’s truly important in life helps to fuel my drive for the work I do both here at Clarity Financial Design and beyond.

I am most satisfied in life by finding injustices and righting them. I think this is why a career in finance initially appealed to me; the industry has widespread and systemic problems related to conflicts of interest, gender inequality, and lack of transparency. I’ve made a commitment to improving our industry as well as our clients’ individual lives by providing fiduciary, fee-only, transparent advice.

Today, my path is working with my clients to help them find financial clarity. I seek to listen, understand, and thoughtfully consider each client’s unique story in order to help her plan for the next step on her path. My goal is to build life-long relationships with my clients as their trusted financial partner.

When I’m not at work, I enjoy volunteering in my community. I’ve made a commitment to spend 10% of my time supporting organizations that are meaningfully impacting the well-being of local girls, women, and families.

I am married to my husband, Steve, and am the mother of two smart, brave, and determined daughters. Willow is 4 and enjoys swimming, dancing, and practicing her detective skills. Lila is 3 and loves to sing, dance, and pretend to be a teacher. My hobbies are running, cooking, and reading, and I pursue these hobbies during this season of life by running after my daughters, cooking for my family and friends, and reading up on all things financial. On a typical Saturday, you’ll find me out at the beach, farmer’s market, or cheering on the Michigan Wolverines (Go Blue!).

I look forward to learning your story and helping you plan for your next step.

Kasey McManis, CFP®

About Kasey McManis, CFP®

My buddies from the ranch rode through the pasture to find me splayed out on the ground with all my gear scattered around me. As they passed by laughing and the stars cleared from my eyes, I tried to remember what had just happened. I looked over to see my horse tearing through the pasture, my rig still flapping underneath him. Oh right… I had just hit the dirt at a full gallop. I tried to gather myself and started limping after my horse, asking myself if it was worth it.

After I graduated college, I stopped working at the dude ranch and started to look at getting my first “real” job where I could use my degree in personal financial planning. It was slim pickings in my hometown of Bozeman, Montana but I was fortunate enough to get the opportunity to move to the East Coast after my wife landed a great job in Philly. I applied for dozens of jobs, each one turning me away because of lack of experience. I was at the end of my rope when I stumbled on a job posting by Abacus Wealth Partners. I advanced through their intense interview process, and was in the final stages. The last meeting had gone well and I spent the majority of the weekend pacing around my apartment, anxious to receive that good-news call. I got a call all right, but I would have rather been tossed off that horse a few more times. Rejected again.

Two years after that call I saw that Abacus had posted another opening. I wanted to re-apply but was certain they wouldn’t entertain somebody they had already passed over. I did find a job at a local firm in town shortly after Abacus rejected me, and I was decently happy, but something about Abacus was drawing me in again. I asked my wife if I should consider reaching out, to which she replied, “You have to get back on that horse!” Nervously, I reapplied and found myself once again going through their multi-stage interview process, eventually making it to the final round. For a second time, I found myself pacing around our apartment, bracing myself for the same mule-kick rejection that I had received last time. The weekend was slipping by and I still hadn’t heard anything. I began to psyche myself up for a severe case of the Monday’s when my phone buzzed. I’m pretty sure my voice cracked as I answered, but as I listened I began to smile. I’m glad that I listened to my wife, and I bring her wisdom to all of my clients who have financial setbacks. You just have to get back on that horse.

Allan Moskowitz, CFP®, AIF

About Allan Moskowitz, CFP®, AIF

Transformative Wealth Management, LLC (TWML) is a Bay Area Fee-Only Fiduciary and ESG/SRI values impact focused Registered Investment Advisory (RIA) firm with the State of CA that is employee owned since 2016. Allan Moskowitz, CFP, AIF the principal of TWML has served social justice and environmentally sustainable investors for over 30 years. We offer free initial consultations and enjoy helping clients live better less stressful lives with meaning and freedom to pursue what makes them feel happy and to promote worthwhile causes that you feel are important to you with comprehensive financial planning and strategic and intelligent investment management with your values in mind.

Bob Shopes, CFP®

About Bob Shopes, CFP®

I have an unusual background for a financial advisor. I have a Ph.D in Biophysics and founded several biotech companies. After one company went public, leaving me financially secure, I retired early to fullfill my dream to be a ski bum. Early retirement was not for me but I discovered while volunteering that I loved talking to people about their financial lives. Who knew?

I joined a small brokerage, got properly licensed, started learning the business and earned my CFP. After six years I left to start my own registered investment advisor firm.

Favrile Financial was founded on the fiduciary principle to always put the clients interest first. We are strictly fee only and will not accept commissions from any third party. The client deserves our undivided loyalty as a fiduciary. Secondly, we do not charge fees on the basis of your “assets under management”. This allows us to give our best advice without concern over where your assets are located. We charge a flat annual fee and that is all. We have no minimum asset or age qualifications but clients are typically 60+, near, or in, retirement and have a net worth of more than $1MM.