Sarah Kang, CFP®

About Sarah Kang, CFP®

Sarah is responsible for financial planning and strategies for her clients. She is a Certified Financial Planner (TM). She has a Masters Degree from Indiana University Bloomington. Her industry experiences include estate planning, tax strategy, special needs planning, and insurance strategy review.

Sarah is a concert pianist and is a frequent performer for local piano recitals or special events. She is a certified financial planner serving Saint Paul, Minneapolis, Rochester, and near Twin City areas and where otherwise legally permitted. Please Email me with inquiries.

Chris Lloyd, CFP®

About Chris Lloyd, CFP®

Christopher Lloyd, CFP®, is Vice President, Senior Wealth Planner, Portfolio Manager and Co-Founder of Lloyds Intrepid Wealth Management.

Over the last six years, Christopher has held positions as an analyst, trader, wealth planner and business developer, while working at Chilton Capital Management, Merrill Lynch and Lloyds Intrepid Wealth Management. For a complete resumé, visit his profile at LinkedIn.

Christopher holds a B.S. in Economics with a minor in Business from Texas A&M University.

Christopher is a Certified Financial Planner certificant.

Dale L Shafer II, CFP®, APMA®

About Dale L Shafer II, CFP®, APMA®, CDFA®

Hi, I’m Dale Shafer and I’ll serve as your guide through all the life movements you might experience along your financial path.

My own journey has included a lot of life moves, which has developed my approach to financial advice. I entered this profession

I believe real financial advice requires far more than showing a “good” rate of return on a monthly statement. I also believe a real financial advisor knows what’s important to you beyond the dollars and cents, stocks and bonds, and expected retirement date.

Chances are you have many bigger rocks to conquer along the path before reaching retirement… whatever that is anyway. Me too.

You can read a little more about my financial advice and investment philosophy by heading over to the What to Expect section of my website.

I began in this profession in 2015, initially learning how to analyze and build investment portfolios, then moved on to learn comprehensive financial planning when I noticed how much the investment activities impacted so many other areas of one’s financial life.

I earned the Accredited Portfolio Management Advisor (APMA®) designation in 2019, then the CERTIFIED FINANCIAL PLANNER (CFP®) and Certified Divorce Financial Analyst (CDFA®) designations in 2020.

As a CFP®, I believe the process of financial planning is among the most valuable “never fully finished” work one can do to gain stability in the face of constant uncertainty. I take an on-purpose approach to help clients focus on and define what’s most important when establishing a basis for aligning their financial decisions.

To remain active in the community, I am a member of the Scottsdale Sunrise Rotary Club (President 2022-2023) and serve an active role in the leadership of the club. I am also a member of the Phoenix Seminole Club (Vice-President); and BNI Accelerators (President 2021-2022).

I am a strong advocate for financial literacy and engages in speaking at the high school level on the topics of personal finance, college, and “real world” economics.

Ken Hargreaves, CFP®, AIF®

About Ken Hargreaves, CFP®, AIF®, AWMA®, CRPC®

A Florida native, Ken founded WealthGen Advisors, LLC. after spending more than fourteen years in the financial advisory industry. During that time, Ken witnessed a wide variation of technology, expertise and advice models that didn’t always put the client first or optimize their financial situation. WealthGen Advisors was created to provide high-tech, high-quality, independent, and personalized advice that taps into the most up-to-date investment philosophies, income distribution, and tax mitigation strategies to optimize client outcomes. All this, delivered in a low-fee, commission-free atmosphere, that puts the clients’ interest above all things.

Prior to founding WealthGen Advisors, Ken spent almost a decade in New York and then Texas as Vice President at The Capital Group, a $2T global investment manager serving institutional clients and pension funds.  He also served as director to a registered investment advisory firm in Florida, where he specialized in managing investments, family and small business financial planning, and retirement income optimization analysis and strategy.   Ken has served on the board of directors for the New York City Financial Planning Association and is a member of the Investments and Wealth Institute (IWI), Financial Planning Association (FPA), XYPlanning Network, and the National Association of Personal Financial Advisors (NAPFA).

Ken earned a B.S. in Finance, from Florida State University. He holds FINRA Series 7 and 66 licenses, as well as the Certified Financial Planner®, Accredited Wealth Management Advisor®, Chartered Retirement Planning Counselor®, and Accredited Investment Fiduciary® designations.

Kyle Newell, CFP®, CRPC

About Kyle Newell, CFP®, CRPC

I like to keep things simple, focus on what we can control and continuously strive to deliver better than expected outcomes. I seek first to understand, then work together with a client to craft plans, put those plans into action and review them regularly.

Am I perfect? By no means. Yet, I will continue to try my very best for the clients I serve.

Clients usually come to me needing help answering questions on their mind. Some of the top questions are:
• Am I on track?
• Am I doing the right things?
• Am I missing anything?

I have spent 10 + years helping address these questions and more. While working with a diverse mix of clients over the years, I have spent a considerable amount of time helping these types of clients:

• Near retirees looking to retire before 65
• Disney executives and cast members
• Academics that work for the State of Florida system

In addition to on-the-job experience, I am a firm believer in continuous learning. As such, my undergrad is in Physics, my Master’s degree is in Personal Financial Planning, I am a CERTIFIED FINANCIAL PLANNERTM professional, a Chartered Retirement Planning Counselor℠ and consume hours of continuing education each year.

Personally, I am a Christian, a husband, a dad and have two dogs. I enjoy reading, playing acoustic guitar, hiking, Gator sports, Disney theme parks, playing pickup basketball and serving wherever I am needed at church.

Jeff Wolniewicz, CFP®, RLP®

About Jeff Wolniewicz, CFP®, RLP®

Who is Jeff Wolniewicz?

Personally, golf is a huge part of my life. I’m a member of Crag Burn Golf Club where I serve on the Board of Governors as the Vice President. Spending time at Crag Burn is how I maintain balance and it is absolutely my happy place. Prior to co-founding Under Par Planning, I played golf for the Binghamton University Bearcats which ultimately led to one of my proudest accomplishments — being inducted into the Binghamton University Athletic Hall of Fame in 2018. While at Binghamton, I earned a Bachelors’s Degree in 2007 as well as an MBA in 2009. Following Binghamton I pursued my dream of becoming a professional golfer and played on mini tours for a couple years. You are reading my bio here and not seeing me compete against Tiger Woods so it didn’t work out as I dreamed, but it was an unbelievably rewarding experience that I grew and learned from.

Outside of golf, my family and friends mean the world to me. I would not be the person I am today without their love and support through the good times and not so good times. They’re awesome. You can also find me playing with my puppy Thor, having drinks somewhere, watching sunsets, listening to live music, or some combo of all those things!

Professionally, after pursuing professional golf I moved home to Buffalo, NY and began my career as a financial planner, earning and becoming a Certified Financial Planner (CFP®️) in 2014, a Retirement Income Certified Professional (RICP®️) in 2015, an Accredited Estate Planner (AEP®️) in 2019, and a Registered Life Planner (RLP®) in 2021. Personal and professional development is a huge part of who I am and I continually strives to become the best version of himself for his friends, family, and clients. I bring the same dedication and commitment to excellence to our real financial planning work that I did the golf course.

Kent Hickey, CFP®, CPWA

About Kent Hickey, CFP®, CPWA, MBA

As a comprehensive financial adviser with a unique specialization in equity compensation, my mission is to guide you toward achieving your best life. Throughout my career as an adviser, I have seen how impactful the right advice can be.

From an early age, I saw my parents struggle with finances, and I wanted to change that. As a paperboy at age 11, I wanted to know the best way to handle my money and took an interest in financial planning. I also realized that there was an opportunity to help.

I earned my undergraduate degree in Business Logistics and my MBA in Management Science, with Honors, from Penn State. While working in logistics for Burlington Northern Santa Fe Railway, I received my first stock options and restricted shares. This created a strong interest in stock options and I wanted to know more so I could help others with theirs. While working for the railroad, I completed my CFP® professional education.

A few years ago, I realized that people receiving significant equity or stock compensation are often given cookie cutter advice as it relates to their goals. I chose to earn my CPWA® to better serve high net worth individuals, and specifically those with stock compensation. I continue to learn, teach, and lead other advisers to provide higher quality advice to stock compensation recipients.

I decided to start Ubequity because I realized that many people, including experienced financial advisers, don’t fully understand the opportunity for impact provided by stock compensation. I enjoy taking you from seeing stock compensation as an investment, or a mystery, to understanding it, using it as a tool to retire, spend time with family, travel, buy property, support charities, pay off debt, and live your best life.

In my free time, I enjoy going on adventures with my wife, two kids and our dog and cat. (Although more of a dog lover, I have learned to love our cat too.) Over the years I have enjoyed giving my time to a wide range of causes including Boy Scouts, our church, as a Founding Travel Director and licensed coach for youth soccer, and as a fundraising member of the Leukemia and Lymphoma Society Team in Training. Outside of work, I can be found training for triathlons, reading and listening to books, hiking, kayaking, canoeing, cheering on Penn State Football and travelling.

I truly enjoy helping people reach their goals through financial planning and maximizing stock compensation benefits. I look forward to working with you to achieve your best life.

Michelle Petrowski, CFP®, CDFA

About Michelle Petrowski, CFP, CDFA, Mediator

Michelle Petrowski (formerly Buonincontri) is the Founder and CEO of Being in Abundance and is on a mission to provide access to financial planning for those that seek it. She believes that wealth is more than money and solid financial advice should not begin and be centered on investments as has been the tradition with advisors of the past. Having been a successful woman in tech, tax-preparer, married, divorced, a step-mom, single mom, a sandwich generation care-giver, a mid-life career changer, and an entrepreneur, she knows that life is shades of grey, and all aspects are inter-related.

Michelle focuses on creating a judgement free space for clients to discover and achieve their goals and dreams through the building and using of their financial resources; meeting clients where they are, rather than where they or society has told them they “should be” at this point in their life. Through a planning approach, that aligns values and financial choices and considers choices through a tax lens, Michelle guides clients to becoming exceptional stewards of their own finances, uncovering previously “unseen” possibilities for their life, and creating opportunities to have a fuller life of impact.

Through her other firm, Being Mindful in Divorce, she works with singles, couples and other divorce professionals committed to reducing the emotional and financial impact of divorce for themselves and their family. Many times, these clients are thriving professionals, sandwich generation wealth-protectors, or those of Grey divorce with a common goal of re-building a financial foundation and to support generational wealth.

In both her professional, personal and philanthropic work, Michelle is committed to financial wellbeing and expanding the perspective that wealth is more than money. She continues increasing accessibility to financial planning through ongoing outreach, education, and comprehensive service offerings thought her firm and her work with Savvy Ladies in NY and Fresh Start Women’s foundation in Phoenix.

Michelle, is a nationally-recognized financial expert, and has been featured in CNBC, MarketWatch, Forbes, Yahoo Finance, and digital outlets, has spoken at FPA Knowledge Circles and is a contributor on Wealth Management to Retirement Daily; TheStreet. She is a former Board Member of the Financial Planning Association in New York & Greater Phoenix, and she currently serves on the Board for the Maricopa Association of Family Mediators and the Alisa’s Angel Foundation, both in Arizona.

Schedule a free intro call to explore how we can work together to empower your financial future: https://www.beinginabundance.com/contact

Read Michelle’s blog here: https://www.beinginabundance.com/blog

Tips for the Softer Side of Retirement Planning – https://www.thestreet.com/retirement-daily/planning-living-retirement/tips-for-the-softer-side-of-retirement-planning

Marry or Live Together? Considerations for LGBTQ Couples – https://www.thestreet.com/retirement-daily/your-money/marry-or-live-together-considerations-for-lgbtq-couples

Breaking-up is Hard to Do – 3 Tax Tips to Help – https://www.thestreet.com/retirement-daily/your-money/breaking-up-is-hard-to-do-3-tax-tips-to-help

Ask Bob: We’re Divorced & Dating – How Do We Handle Long-Term Financial Decisions? https://www.thestreet.com/retirement-daily/ask-bob/ask-bob-were-divorced-dating-how-do-we-handle-long-term-financial-decisions

Five Tips for Surviving Grey Divorce in Retirement https://www.thestreet.com/retirement-daily/your-money/tips-for-surviving-grey-divorce-in-retirement

Everything You Need to Know About Social Security and Divorced Spousal Benefits –
https://www.thestreet.com/retirement-daily/planning-living-retirement/divorce-and-social-security-myths

Healthcare for Military Service Members: TRICARE
https://www.thestreet.com/retirement-daily/your-money/healthcare-for-military-service-members-tricare-14645400

Should You Keep the Family Home in Retirement? –
https://www.thestreet.com/retirement-daily/planning-living-retirement/should-you-keep-the-family-home-in-retirement-14665783

Matthew Williams, CFP®, RICP

About Matthew Williams, CFP®, RICP, CExP, CASL

Matt developed a passion for the financial services industry as a client of the industry. His unique perspective of being a client is an essential part of Matt’s success, as he can easily see things from the client’s point of view.

Matt received a bachelor’s degree in Civil Engineering from Rochester Institute of Technology. After spending the early part of his career as a Professional Engineer designing land development projects, Matt developed the calling to help others learn and develop the best practices around money that have benefited he and his family. His mission is to help his clients bring their futures into the present so they can make informed and educated decisions around their money.

Outside the office, Matt spends much of his time with his daughter and wife. He is an active steward at Saint Sophia Greek Orthodox Church. Matt enjoys golf, biking, reading, and spending time with friends.

“Give me six hours to chop down a tree and I will spend the first four sharpening the axe”

– Abraham Lincoln

Mark Young, CFP®, CPA

About Mark Young, CFP®, CPA

Mark is in the business of helping clients find financial peace of mind. This is done through careful planning, implementation, and ongoing review.

​Mark is a CFP® and CPA. This dual certification allows him to provide tax-efficient investment management and financial planning strategies.

​He is an alumnus of San Diego State University (’83) and Torrey Pines High School (’78). Mark and his wife have three adult children. When Mark is not in the office, he enjoys spending his time hiking, camping, playing golf, and traveling.

​Mark understands his responsibility to manage something as important as a client’s personal wealth. Clearview Financial always puts the interest of the client above all else. Mark assists his clients with short-term and long-term goals and helps them achieve financial freedom. Mark helps his clients worry less about their finances and sleep better at night.