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.

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.

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.

Demel Gonzalez, CFP®, CKA

About Demel Gonzalez, CFP®, CKA

As President, Mr. Gonzalez leads his team in a vision to build and cultivate deeper client relationships while providing exceptional service and performance to the clientele of Heartwood Financial Services. Utilizing his natural skill to assist and educate in a manner of respect and friendship, Mr. Gonzalez has set a new benchmark for the way that financial advisors interact with their clients. From its inception, and forward into the future of Heartwood, Mr. Gonzalez plays a vital role in the growth and development of his company.

A graduate of the University of Central Florida (UCF) in Business Administration, his cumulative 14 years spent at Fidelity Investments started with an internship during his final year of studies. Mr. Gonzalez was then retained by Fidelity upon graduation and proceeded to work his way through the ranks, quickly becoming a Vice President & Senior Account Executive, where he was directly responsible for overseeing assets valued at one billion dollars. Mr. Gonzalez advised his clients on investments, retirement planning, risk-management as well as trust and estate planning. His exemplary work ethic and dedication to his clients allowed him to have received multiple awards of excellence including three President’s Circle awards.

Arriving in the United States from Cuba at the age of four, Mr. Gonzalez attributes much of his success to his father. The hard work and strong values exemplified by his father after leaving the oppression in his homeland are the same drive and values Mr. Gonzalez uses today to work for his clients.

Mr. Gonzalez is most proud of the family that surrounds him. Alongside his wife of thirteen years, Christa, and children Andrew and Sam, he is a faithful member of Lakeside Fellowship United Methodist Church in Sanford and volunteers his time there as the Finance Chair. He also coordinates and facilitates the teaching of Financial Peace University; a Dave Ramsey course teaching Biblically based financial principles. As a father with a son on the Autism spectrum, Mr. Gonzalez has a big heart for children with special needs, volunteering with the Special Olympics whenever he can. He also enjoys mountain biking, playing tennis, Crossfit and watching Miami Dolphins football.

Mr. Gonzalez is a CERTIFIED FINANCIAL PLANNER™ professional. The Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S., which it awards to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

Josh Wolberg, CFP®, RICP®

About Josh Wolberg, CFP®, RICP®, MBA

I am the President and Founder of Great River Financial. Prior to becoming an advisor in 2007, I spent 9 years combined in software development and corporate finance. I serve clients as the Lead Financial Planner and Investment Manager for Great River Financial. I also teach as an adjunct instructor at Minnesota State University in Edina, MN where I help other Financial Advisors pursue the CFP® Designation.

I am from Wall, South Dakota. My wife Amy and I moved to the Twin Cities in 1999 and live in Eden Prairie with our three children and rescue dog. I enjoy being active and love traveling, hiking, running, and am a veracious listener of non-fiction audiobooks. I dive deep into multiple complex subjects to seek wisdom about living a meaningful and happy life and share this wisdom with others to help them pursue the same.

Allen Gibson, CFP®, CHFC

About Allen Gibson, CFP®, CHFC, CRPC, CLTC, CDFA, CEP, BFA, NSSA

When I graduated from college Ameriprise (then IDS Financial) refused to hire me because I had no experience and my personality profile suggested troubled loner. They hired me as an assistant at $5.50 per hour and about 9 months later they allowed me to enter the advisor training program. I spent 25 years there before starting my own RIA in 2016.

In 2016 the entire broker/dealer world was fighting the Department of Labor’s attempt to hold advisors to a fiduciary standard. I thought that was the wrong position to take. I wanted our clients to know that I wanted to be fiduciaries.

I had my Jerry Maguire moment and began exploring how to become a Registered Investment Advisor. I left Ameriprise, and started to build my new firm from scratch with no clients and no income.

We work directly for our clients, not a brokerage firm or insurance company. We only get paid for financial advice. No commissions, referral fees, bonuses, trips or t-shirts for selling investments or insurance.

We provide comprehensive financial planning services for our clients to help them reach their various goals. That process may include, but is not limited to, investment management, insurance recommendations, retirement planning, Social Security and Medicare consulting and tax and estate planning.

We rely heavily on technology to provide our clients with a modern experience and we believe in extensive continuing education to stay sharp and proficient.

The best part of me and my story is my family. My wife, Dede, our son, Kylar, and our dogs, Molly and Maggie. We love spending time together, preferably on the water or in the mountains.

Dan VanDusen, CFP®, MBA

About Dan VanDusen, CFP®, MBA

Throughout my career, I quickly became the “go-to” resource for colleagues, family, and friends needing financial advice and guidance. Through my desire to educate, bring transparency to financial services, and help others succeed, I founded Objective Wealth. I differentiate by servicing those seeking a fiduciary planner who provides a tax-focused comprehensive approach, objective insight, and level of service that will guide you to identify and help achieve your goals.

I completed my Masters of Business Administrator at Thunderbird School of Global Management and attended Michigan State where I received my bachelor’s degree. Prior to financial planning, I spent many years in the education services business. I was involved with designing learning tools, education technology, and delivering services to classrooms throughout the country. I grew up in a family of educators and providing education is an essential part of my values.

In my free time, you can find me hiking, camping, cooking, and scuba diving. Gina and I enjoy traveling and spending time with our dog, Murphy.

Mantas Tautkus, CFP®, CRPC®

About Mantas Tautkus, CFP®, CRPC®, CRPS®

After a decade of experience in the financial industry I decided to branch out independently, leaving behind a sales-goal based environment to focus on what really matters – clients’ financial well-being. I established MT Financial Planning to help people ascertain their financial goals, to engage with my clients in a more meaningful way and to provide them with advice that exceeds the industry standard.

I work relentlessly to ensure I find every opportunity possible to help my clients in their financial endeavors. Some would call me over-analytical, but I would venture to say when money is on the line, I am the professional guide you need to have by your side.

I would not be where I am today if not for the help and guidance that I received along the way. I am grateful for the opportunities I was afforded and partnerships that I developed to build my career and to help others make smarter financial decisions.

Let’s discover how we can partner together on your financial journey!

Joshua Casey Garland, CFP®

Joshua Casey Garland, CFP®

Ten years ago, I began my financial career at Fidelity Investments. In 2014, I earned the Certified Financial Planning TM designation and graduated from Ohio University with an MBA degree with a concentration in finance. I later moved on to TD Ameritrade where, after multiple years of high performance, I ultimately was given the opportunity to take on a new role as Branch Manager of the TD Ameritrade Louisville office. I lead a team of three financial consultants and worked directly with high net worth families and business owners. Throughout my career I have been recognized by my employers, co-workers, and clients for being a top financial advisor by earning multiple awards including Circle of Champions, Excellent in Action, Presidents Circle and MVP.

After ten years of working in the financial industry for big firms I realized I could give more and do more for my clients independently. I started Shepherd Wealth Management because I believe it is my duty, obligation, and responsibility to utilize the gifts God has given me. Performance, Purpose, and Passion are three marks of a good Shepherd, and these are the pillars that I have built my life and firm around. My goal is to help families, business owners, and anyone looking to take control of their finances while also making a BIG impact on the world and our community. Unlike many companies in society today, I believe it is not just about making money, but using that money to make a difference for the better. Therefore, I choose to invest the first 10% of Shepherd Wealth Management revenue to charitable organizations in our local community.
In my personal time I enjoy spending time with my wife, Nicole, and our two daughters, Maddie and Collins. We also have two extremely playful dogs, Emily and Henry. I enjoy running, fly fishing, camping and playing golf. My family and I are longtime members of Crossroads Community Church.