William Holliday, CFP®, AIF®

About William Holliday, CFP®, AIF®, CSRIC™

Bill Holliday is a Certified Financial Planner (CFP), Accredited Investment Fiduciary (AIF), Chartered SRI Counselor (CSRIC), a member of the National Association of Professional Financial Advisors (NAPFA), US Social Investment Forum (USSIF), Green America, and the First Affirmative Network.

He hosts the AIO Financial video, podcast, and blog series. Bill is the author of the “Sustainable, Responsible, Impact Investing Guide.”

Bill is the volunteer director of a charitable organization that provides financial education in Mexican called ProMex Group. Bill volunteers with No More Deaths to provide assistance to migrants in Mexico.

He received his BS in engineering from Lehigh University and his MS from Purdue University. Bill served in the Peace Corps in Nicaragua (small business development group). Bill has a wife and two daughters, is fluent in Spanish, and spends part of each year living in Mexico.

Bill loves technology and is continually working to improve his clients’ experience through new software.

Read Bill’s blog here: https://aiofinancial.com/blog/

Sefa Mawuli, CFP®

About Sefa Mawuli, CFP®

Hi! I’m Sefa, a CERTIFIED FINANCIAL PLANNER™ and Investment Adviser Representative who helps people with cross-border ties organize their finances to meet their life goals. I also have extensive experience working with globally-mobile professionals and executives who receive equity compensation (RSUs, RS, ISOs, NQSOs).

My practice approach is hands-on and ongoing. I essentially act as a personal CFO: helping my clients to manage their overall financial life and life events – beyond just investments.

Together, we tackle:
-Cash flow and budgeting
-Saving for goals and major purchases
-Tax strategy
-Insurance planning
-Estate planning
-Financial independence and retirement planning
…and the various events that life conjures up.

Typical client questions for me:
How do I manage/plan for cash flow and savings when international travel is central to my family values?
How do I manage cash flow and accounts in different currencies?
How do I plan for retirement when I’m not sure where I’ll retire?
How do I manage my equity when some of it was granted while I worked overseas?
How do I think about real estate (overseas and here in the US)?
How do I minimize taxes when I have tax obligations in different countries?
How do I save for my children’s college when I’m not sure where in the world they will go to college?
How do I support family here and abroad?

If you’re seeking a long-term partnership with a comprehensive financial planner who can guide you through all aspects of your financial life in the US and wherever life may take you, please send me a note and we can figure out if we’re a mutual fit.

Paul Borges, CFP®, CFA

About Paul Borges, CFP®, CFA, MSC

Paul is the Founder of Borges Financial, an independent fee-only comprehensive financial planning and investment management firm. Borges Financial specializes in serving Norwegian/American expatriates and offering clients sustainable investment solutions that align with their personal values.

Paul is a US citizen born and raised in the Midwest, but has spent the past 5 years as an expat studying and working in Scandinavia, initially in Copenhagen, Denmark and most recently in Oslo, Norway. This experience abroad has given him firsthand experience around the complexities expats face in getting their financial lives in order and saving for their goals in a cross-border environment.

He has a range of financial industry experience having worked at Ameriprise Financial in Chicago, IL, Nordea Bank in Copenhagen, Denmark, and Ernst & Young in Oslo, Norway. Roles have ranged from financial planning, investment management, ESG analysis, to consulting.

Paul has a Graduate degree in Management from Copenhagen Business School and an Undergraduate degree in Economics from the University of Wisconsin-Madison. Additionally, Paul continuously strives to further develop his skillsets and has earned both his CFA Charter and CFP® certification.

Victor Gersten, CFP®, EA

About Victor Gersten, CFP®, EA

I am not your typical financial advisor because of my unique background. I grew up in Mexico City in a household with a single mother and two sisters, thus, I have tremendous respect for women and a passion for seeing them succeed financially.

I have always been curious to see all that the world offers. I have been lucky enough to explore the impressive Victoria Falls in Zimbabwe to the enigmatic city of Petra in Jordan, I have traveled to 40 countries. Hence, I understand why many Americans want to live abroad: rich cultures, exquisite cuisine, hospitable people, and let’s say it: a more affordable cost of living.

Since 2007 when I entered the financial services industry, I have enjoyed doing financial and strategic planning for Americans who wish to move abroad and need some extra help planning around their finances. I’m particularly well-prepared for working with expats as I am a virtual financial advisor with a deep understanding of the financial needs of those who have a home away from home.

Early retirement is more than just not working; it signifies attaining financial independence, i.e., the freedom to work on your terms. My passion is helping you achieve your personal definition of financial success, whether that is early financial independence, retirement abroad, or something else. Let’s make a customized money investment plan that fits your needs!

Kim Hall, CFP®

About Kim Hall, CFP®

Financial life planning is about more than saving and investing. It is about making decisions that get you the most of what you value out of life. I work with clients to identify value driven goals, evaluate trade-offs, and make well-informed decisions. My passion is helping clients optimize their resources to enable a rich and purposeful life.

I joined Clarity Wealth Development in 2017, bringing with me 10 years of experience in applied economic research and education. I was drawn to personal financial planning because I knew that the tools I was developing in my academic research could also directly impact individuals and families in meaningful ways. With family spread across the world, I developed an interest in global financial planning and specialize in US-Australia cross-border planning.

I have a Ph.D. in Applied Economics, hold a designation in Global Financial Planning and am a Registered Life Planner. I love being a part of the Corvallis community, where I live with my husband, two daughters and geriatric dog. In my spare time I like to keep active enjoying the many amenities and adventures our town provides, serving our community, and traveling to far-off destinations (often to visit family and friends).

Bryan Haggard, CFP®, CFA

About Bryan Haggard, CFP®, CFA

RetireMitten Financial specializes in helping family’s transition into retirement. We are also experts in cross-border financial planning, specifically helping families that have worked in both the U.S. and Canada.

In order to help families realize their dream of a successful retirement, we go through a three-step process.

Step 1: The Retirement Roadmap
Initially, we go through a comprehensive retirement plan and goal setting process. What do you want your ideal retirement to look like? How do you envision spending your newfound free time? Great, let’s put together a plan so that you can stop worrying, and start enjoying retirement.

Step 2: The Retirement Paycheck
Once goals are established, we now need to build an investment portfolio to help meet those goals. We believe in a cash-flow matching investment strategy. Cash-flow matching involves creating a monthly “retirement paycheck”, to help meet your goals. This allows you to feel comfortable generating a steady stream of income, regardless of the ups and down of the stock market.

Step 3: On-going Planning and Support
The initial plan and investment strategy are only the beginning. Things change a lot in retirement. The stock market, your goals, and your life are ever changing. So should your retirement plan. Our systematic approach to meetings allows us to consistently change your plan as soon as your goals change. That European river cruise you woke up last night dreaming about, let’s figure out how to make it a reality.

Looking for a Stress-Free and Fulfilling Retirement?
If you are looking for an experienced financial planner to help guide you through retirement, let’s talk.

Malissa Marshall, CFP®, Master’s in Taxation (MS Tax)

About Malissa Marshall, CFP®, Master’s in Taxation (MS Tax), EA

I serve as a personal CFO for busy corporate executives who require advanced tax and financial planning and need a 360 degree perspective on your finances to make effective, goal-based decisions in the little time you have. While tax planning serves as the backbone, focusing through the tax lens alone is insufficient – it’s critical to step back and make sure that all aspects of your financial life are fully aligned to support your goals.

As a trusted advisor, I can provide actionable guidance to help you achieve your personal goals by helping you set priorities, explore alternatives, and understand potential unintended consequences, allowing you to make decisions with confidence. At this stage in your career, you are laser-focused on growing your wealth – it’s my job to help you protect and preserve it.

Services include:

– Creation of an initial, comprehensive financial plan based on your personal goals
– Two planning meetings per year (spring and fall)
– Portfolio management up to $250,000 (optional)
– Detailed tax projections and planning guidance
– Tax preparation (if elected)
– Additional funds can be managed at 0.5% management fee (paid quarterly)

Read Malissa’s blog here: https://www.soaring-wealth.com/blog

Daniel Tobias, CFP®

About Daniel Tobias, CFP®

My career began in Washington, D.C. I finished studies at George Washington University, then moved from the Federal Deposit Insurance Corporation (FDIC) to a career as a management consultant with IBM. Although the work was I did was always interesting, it wasn’t what I would or could call a calling or a passion. I needed a goal.

Thankfully, my wife Jillian was on-board with the idea of leaving it all behind to travel the world, so that’s what we did. After spending years with a singular financial goal, careers were put on hold, the plunge was taken and next thing we knew we were petting grey whales in Mexico on day one of a trip through 50 countries around the globe over 21 months.

Then we came home.

I was a new person in need of a new career; I wasn’t interested in opening a travel agency and that meant financial planning was the next logical choice. Why you ask? The number one question I’m asked about that trip is how we paid for it! When it comes down to it, my career today is about helping others realize their own goals—retirement, travel, education, lifestyle, etc.—and that’s just what I had done for myself. Bringing that experience to my career, to help others do the same, means I no longer have a career…this is a calling.

I joined my father in Florida and followed his footsteps to become a Certified Financial Planner™ Professional. Later, with three children—Amira, Nora and Samuel—Jillian and I decided it was time to leave Florida and put down roots in a place where we could spend more time doing the things we loved to do like whitewater kayaking, mountain biking, hiking and camping. Although my first position in North Carolina was a rewarding one, I wanted to focus more of my time working with people and helping them achieve their dreams. Out of that desire Passport Wealth Management was born.

Chris Chen, CFP®, CDFA

About Chris Chen, CFP®, CDFA, RLP

Chris is a fiduciary wealth strategist who helps individuals and families plan challenging life transitions such as retirement, expatriation, and divorce.

A strong life and financial plan makes other wealth decisions much easier. As a CFP® professional, Chris will work with your legal and tax advisers to build you cost-effective and tax-efficient strategies to help you achieve your long-term financial goals.

Chris’ career in financial services followed a rewarding career in strategic business management, during which he lived, worked, and grew successful businesses in the US, Asia-Pacific, and Europe. He earned a bachelor’s degree in Economics and an MBA in Finance. He completed the Financial Planning program at Boston University. He is also a CFP® practitioner and a Certified Divorce Financial Analyst™. He trained as a financial neutral at the Massachusetts Collaborative Law Council. He is also a trained Mediator in accordance with M.G.L. ch.233 § 23C.

Chris has been widely quoted in the Boston Globe, New York Times, Forbes, CNBC, Wall Street Journal, Marketwatch, Investment News, and Bloomberg. He has also been published in the Boston Globe, Kiplinger, and Investopedia. Chris is the Treasurer of the Association of Divorce Financial Planners. He was the founding Director of the Greater Boston Chapter of the Association of Divorce Financial Planners. He is a member of the Financial Planning Association, The Divorce Center, and the Massachusetts Council on Family Mediation.

Ashley Murphy, CFP®, AIF®

About Ashley Murphy, CFP®, AIF®

Hi, I’m Ashley Murphy, Founder and Principal of Areté Wealth Strategists, a Registered Investment Advisor (RIA) providing financial planning and investment management services to Aussie expatriates and business owners since 2013 .

I bring a unique perspective for my clients as a tri-citizen of Australia, the UK and the US. I moved to the US in 2005 after my undergraduate studies in Australia so I have first hand experience in figuring out a new financial system. Before making the transition to financial planning, I worked in corporate finance at several Fortune 500 companies. It was at a Certified Financial Planner® information session in 2008 however, where I got hooked . The panelists conveyed their enthusiasm for financial planning and once I learned that there were advisors working with clients in a fiduciary, fee-only professional capacity, I knew this was for me.

Financial planning and investment management aren’t just my career, they’re my calling. They represent the alignment of my skills, passions and business savvy as Jim Collins so well defined in his Three Circles exercise from ‘Good to Great.’ I love helping Aussies on similar paths as mine succeed in the US. With business owners, I identify with their energy and empathize with their desire for independence.

There’s so much opportunity out there. I look forward to speaking with you.

Read Ashley’s blog here: https://www.arete-wa.com/posts