Jim Crider, CFP®

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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

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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.

Carey Morgan, CFP®, ChFC®

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About Carey Morgan, CFP®, ChFC®

Hi there. I’m Carey, a partner and financial advisor at Livelihood, LLC. We started our firm because so many of our friends and colleagues were seeking sound and simple financial advice for an affordable price. We specialize in helping people who may not be a good fit for the traditional financial sector – creatives, idealists, non-profit workers, academics, and others who value relationships, experiences, education, and financial security over material wealth. I really enjoy working with people who have dedicated their lives to making their world a better place through service, art, education, and philanthropy. These are all areas I know well. I started my career managing bands and helping musicians sort out their money. The personal finance bug bit me and I joined a huge investment firm to learn that side of things. While the big corporate life wasn’t the best fit for me, I also became really interested in how our everyday spending and investment choices can really impact the community. So, I changed gears to the nonprofit sector, leading a hunger nonprofit, launching a citywide financial counseling program, and directing a private foundation focused on economic empowerment for women. One of the things I get most excited about is the potential for change through ethical investing. In my humble opinion, doing good and doing well are not mutually exclusive.

Jay Zigmont, CFP®, PhD

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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®

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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.

Michael Walther, CFP®, CPA/PFS

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About Michael Walther, CFP®, CPA/PFS, CFA

Mike Walther received his BS degree in Economics and MBA with concentration in Accounting from Vanderbilt University. He holds the CPA/PFS designation, is a Certified Financial Planner and is a CFA.

Mike has a brother on the Autism spectrum. He founded Oak Wealth Advisors in 2008 so that families seeking experienced and objective special needs financial planning advice could access the same quality of service that was previously only provided to wealthy families. Mike’s passion is applying his knowledge and experience to enhance the quality of life for families that include loved ones with special needs.

Mike has written articles for the Chicago Sun-Times and has been quoted in The Wall Street Journal, Business Week, New York Times, and other national publications. He has presented at conferences around the country and taught at Texas Tech University, Purdue University, the University of Illinois, University of Wisconsin and San Diego State University.

Mike was the first financial advisor in Illinois admitted into the Academy of Special Needs Planners. He founded and leads the Special Needs Planning subject matter study group for the National Association of Personal Financial Advisors.

Jay Karamourtopoulos, CFP®

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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®

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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.

Kasey McManis, CFP®

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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

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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.