Ethan Miller, CFP®

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About Ethan Miller, CFP®

Hi, I’m Ethan. I became a financial planner and CERTIFIED FINANCIAL PLANNER™ professional because I saw how too many of my peers were simply unprepared for the complex financial decisions that come with living under capitalism. These decisions can have deep, lasting impacts, and I am passionate about working with clients to help set and reach financial goals without falling in one of many potential pitfalls that we all face every year.

My background as a union organizer shapes a lot of my work as a financial planner. I have a deep understanding of the fundamentally unfair structures that govern our financial lives, and in addition to working with clients to plan for and implement long-term financial plans, I continue to be involved in local and national efforts to create a more just economic system.

My clients typically share my concerns about the systemic problems in our economy, and many spend their working lives to change our economic and political systems for the better. I understand the values and priorities of public service and social justice professionals, and as your guide, I want to help you make the most of your finances and tackle topics such as saving, investing, paying off student loans, retirement planning, saving for your children’s education, buying a home, and much more.

By working together, you can be confident in your financial decisions and trust that you are building a sustainable financial future.

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.

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.

Leighann Miko, CFP®, RLP

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About Leighann Miko, CFP®, RLP

I believe financial guidance should be equally accessible to all, but this is rarely the case in the traditional world of financial planning. I’m here to change that. Like my company name suggests, I founded Equalis Financial to serve underserved communities like LGBTQ+ creatives and other thoughtfully ambitious professionals. My “why” is to help others create the financially secure life I never thought I’d have after growing up in a financial volatile environment.

Financial stability isn’t something you hope for; it’s something you plan for. As a creative working in a volatile industry, having the right financial plan is essential. It can act as a strong anchor in financially uncertain times, but only if the plan is uniquely built for you. At Equalis Financial, we’re here to help.

WHAT WE OFFER

-Financial Planning-
To get where you want to go, you’ll need a custom roadmap that’s built strategically around your goals. We take a human-centered approach to financial planning, focusing more on you than your money. In this process, we will help you realign your financial mindsets and habits with your long-term vision, resulting in a more financially secure future.

-Business Management-
If you are looking to outsource the day-to-day operations of your business, we are here to help. These related services—including tax preparation and planning, payroll processing, and monthly bookkeeping⁠—are available exclusively to our financial planning clients.

-Investment Management-
As an investor, you have the ability to effectively “put your money where your mouth is” by investing in social causes you believe in. From environment conservation to improving the gender pay gap to reducing racial inequality, we will customize and manage your portfolio with a carefully planned investment strategy while maintaining the direction and discipline you need to reach your goals.

If any of this resonates with you, let’s chat. The first meeting is on us. There’s no cost and no pressure, just a conversation to see if we’re a good match.

Jennifer Macedo, CFP®

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About Jennifer Macedo, CFP®

Aloha and thank you for taking your valuable time to better understand Front Street Financial. We Listen. You Prosper. We want to be your coach, your partner and your guide.

Are you looking for relief from money burdens? Are you too busy with your everyday life to be able to deal with your investments, retirement, insurance, estate planning and other financial issues?

We can help you ease your money anxieties, keep your financial life organized and achieve a better return on your investments. Did you know that people with financial advisors have better returns than people without financial advisors? A survey in 2019 by Vanguard shows the value of expert advice can improve returns by 3% annually!

We will help keep you on track to achieve success with your financial desires and goals.
Out of 625,000 financial advisors in the United States, women CFP Practitioners total about 20,600 or ONLY 3% of advisors. You might ask why you would want a Woman Certified Financial Planning Practitioner?

A. Women are empathetic and good listeners. We Listen
B. CFP’s® have a Fiduciary duty to very client. You Prosper

Fiduciary duty is the key to why our fees are transparent and based not what we sell but on what is best for you. Period.

We offer one-time or ongoing financial planning to address the following:

  • Business Planning
  • Cash Flow and Debt Management
  • College Savings and Planning
  • Employee Benefits Optimization
  • Estate Planning
  • Insurance and Risk Management Review and Recommendations
  • Investment Analysis, recommendations and management
  • Retirement Planning
  • Tax Planning and Projections

…and the list goes on, but this doesn’t even speak to the mental and emotional relief of having assistance with the things we have spent years studying and gaining experience with.

If you are interested in collaborating with us we will look forward to our team work together, support of your dreams and enjoyment of a long lasting mutually beneficial relationship. Aloha!

Paul Borges, CFP®, CFA

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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.

Terry O’Grady, CFP®, CKA®

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About Terry O’Grady, CFP®, CKA®

I’m Terence O’Grady. But most folks call me Terry.

I grew up in St. Petersburg, FL, the oldest of three kids in what I’ve concluded was a relatively typical middle-class American family. My parents joined a tennis club so we could all use the pool. Once we found the tennis courts though, we never dipped a toe.

I never imagined that I’d be in financial services, much less a CFP® professional. What kid dreams of being a financial planner? I wanted to be like Jim Reed, the cool cop on Adam-12.

In need of a gig, I took a call center job with T. Rowe Price. Despite how much fun those Discover Card phone reps seem to be having with their doppelgänger, fielding phone calls all day was not my lifelong dream.

Now I’m a Registered Investment Adviser. Technically I’m an Investment Adviser Representative of a Registered Investment Adviser (RIA). In this case, it’s one and the same. I’m the firm’s owner, the RIA, O’Grady Financial LLC, and the Investment Adviser Representative.

There’s no longer a manager telling what to do, what to sell, and who I should sell it to. No products to push or quotas to make. As a fiduciary, I’m legally bound to do what is in the best interest of my clients.

A chance encounter at an industry conference in Boston one summer opened my eyes to a new outlook on handling finances. New to me anyway.

I’m Christian and have led Dave Ramsey’s Financial Peace University at my church a few times. But it wasn’t until I met a group of fellow advisors, part of Kingdom Advisors®, that it hit me. It’s all God’s anyway. We’re just trying to be the best managers of the assets He’s entrusted to us while we’re here.

Like most advisors, when it came to investments, I focused on Modern Portfolio Theory, asset allocation, and aligning risk tolerance with appropriate portfolios. I never gave a second thought to what the underlying companies did, promoted, or practiced as long as their returns were comparable to accepted standards.

But maybe what we’re invested in is as much or an even more critical part of the process. That’s what Biblically Responsible Investing (BRI) is all about. Do the companies you’re investing in, either directly or through mutual funds, align with your values?

I can filter out the companies that participate in the industries that don’t honor God and screen in those that do. We can match a portfolio to your values, beliefs, and convictions. A portfolio that honors and worships God.

I’m not a theologian or Bible scholar. Never been to seminary. But as a CFP® professional, I’ve been trained in the techniques our culture uses to handle money. I’m digging deeper into the principles God wants us to use to manage his money. Techniques may change. Principles remain. If you’d like a seat on this journey, I’d be honored to be your guide.

Sally Boyle, CFP®, CDFA

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About Sally Boyle, CFP®, CDFA, CSRIC

Sally Boyle’s career began in finance. She has worked with individuals and business owners providing financial planning and business succession advice for over 30 years. She earned the esteemed Certified Financial Planner designation issued by the Certified Financial Planner Board of Standards, Inc. (CFP Board) in 2010. But in the three years preceding 2000, Sally and her family lived through a very difficult litigated divorce. Since that time she has advised many individuals and families through their own divorces. Through these shared experiences she well understands the devastation of divorce for families both personally and financially. All of this led her to write a book intended to empower families with knowledge that would allow them to see choices. In her research, she also discovered a community committed to changing the divorce climate. She decided to specialize in this work and became a Certified Divorce Financial Analyst and is a member of the Institute of Divorce Financial Analysts. Her work has led her to obtain training in Collaborative Law so that she might be able to serve as a member of a team committed to helping couples avoid litigated divorce. Sally is the mother of four sons and a grandmother to beautiful twin granddaughters. Sally loves nothing more than spending the day hiking or skiing in the White Mountains, sailing in one of New England’s beautiful lakes, or enjoying a family day in her lovely town of Hanover, New Hampshire. Sally has come to believe that divorce is a part of life. She hopes to spend a great part of her remaining career helping families keep that perspective. She also hopes to be part of a movement that changes the cultural norms that influence our approach to divorce as a society.

 

Matthew Barnard, CFP®, MS

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About Matthew Barnard, CFP®, MS

Hi, I’m Matthew Barnard.

I lead a small team of dedicated financial planning professionals who work in a comprehensive, or holistic, way. We help our clients gain confidence, get organized, and go forward with clarity so they can achieve big goals.

We especially enjoy working with young professionals, those with stock option complexities, and clients interested in socially responsible investing.

We offer two ways of working together:
1. A Financial Strategy Session to answer your 3 biggest questions;
2. An on-going retainer which includes methodically going over every area of your finances, including recommending and implementing investments as well as preparing and filing your taxes.

We are fee-only financial planners located in Chicago, Illinois serving clients in Chicago and throughout the nation. We meet both in-person in our Chicago office and virtually through video conferencing and secure file transfer.

We look forward to meeting you!