Kenny Senour, CFP®

About Kenny Senour, CFP®

I help young professionals and families align their money with their life through fee-only, fiduciary financial planning.

It’s important that you feel like your advisor is listening to you – and that you understand WHY something is being recommended and HOW it fits into YOUR plan.

That’s why I’m passionate about educating you on investments and finance and not simply making recommendations without you fully understanding why.

Reach out to schedule a complimentary conversation regarding your financial situation and how I can help you!

Cell: (720) 598 2926
Office: (303) 578 8535

☑️SIMPLIFY your finances, allowing you to make confident decisions about your money
☑️ORGANIZE your financial situation and budget so you can spend your money guilt-free
☑️CREATE a plan for your money that reflects your priorities and goals
☑️NAVIGATE your employee and government benefits to help you create sustainable retirement income
☑️EASE financial stress by planning for the future, so you can enjoy today
☑️RECOVER valuable time to spend with family and on your passions instead of worrying about money
☑️ADAPT your plan to your unique situation as your life changes

HELPING MILLENNIALS WIN WITH MONEY: We grew up in an age where financial literacy was not taught in school. So, if our parents didn’t teach us about money, we were left to figure it out on our own.

I am passionate about the Mission at MWM to change the lives of millennials and their families through financial planning. I understand the importance of partnership and taking the time to educate you through the financial planning process.

It’s important that you know WHY we are recommending certain strategies, or WHY we utilize certain investment vehicles. At MWM, our goal is growth, both personally and financially. I hope to work with you soon!

HOW I GET PAID: Services are delivered via a transparent, fee-only service model.

Comprehensive financial planning consists of an upfront charge and an ongoing fee that is paid monthly.

Our standard advisory fee is based on the market value of the assets under management and is based on the schedule listed on the website:

Cell: (720) 598 2926
Office: (303) 578 8535

Read Kenny’s blog here:

Andrew Katz-Moses, CFP®

About Andrew Katz-Moses, CFP®

Hi, I’m Andrew. I help educators and government employees make sense of their finances so they can focus on living life.

When I was a teacher and DCPS staff member, I signed up with one of the salespeople pushing expensive 403(b) plans. When I learned I was set up to pay hundreds of thousands of dollars in unnecessary fees over the course of my career, my outrage fueled a passion to help other educators.

Now I’m a CERTIFIED FINANCIAL PLANNER™ professional working with educators and city government employees in the DC area.

Jose Armenta, CFP®, ChFC®

About Jose Armenta, CFP®, ChFC®, EA

I believe the focus of financial planning should be on your “why.” What are your goals and values? Once we’ve identified your path, I will guide you in designing a comprehensive financial life plan that’ll allow you to walk that path. Only after we have found the “why” can we create the “how” –and only after understanding your unique desires do we start discussing numbers.

When I first entered the financial services industry, I was discouraged by the type of financial services I saw offered to Federal employees, from inappropriate insurance products to patchwork advice focused on trying to “beat the market.” Equipped with a bachelor’s degree in finance and accounting from Columbia College, a master’s degree in financial and tax planning from San Diego State University, and a lifelong awareness of the link between money management and life satisfaction, I became determined to provide real comprehensive financial planning for Federal employees that focused on helping them accomplish their goals.

The decision to specialize in helping Federal employees stems from my experience serving in the Marine Corps as a bomb dog handler. In 2013, I was injured by an IED in Afghanistan and medically retired, along with my bomb dog Zenit. Despite this unexpected curve in my path, I still had the same “why”: I wanted to be involved in a mission greater than myself and help those I cared about. I knew this meant continuing to work with those who serve our great nation.

My “how” turned out to be launching Create Your Path, a fee-only, independent financial planning firm specializing in advising Federal employees. As a CERTIFIED FINANCIAL PLANNER™ practitioner, Chartered Financial Consultant, an Enrolled Agent, and a former Federal employee who has been in your shoes, I am ready to guide you towards the life you envision.

Read Jose’s blog here:

Tommy Blackburn, CFP®, CPA

About Tommy Blackburn, CFP®, CPA, PFS

Tommy is a graduate of Virginia Tech’s Pamplin School of Business, where he graduated magna cum laude with a Bachelor of Science in Business as a Finance major and completed the CERTIFIED FINANCIAL PLANNER™ (CFP®) education requirement. While pursuing his Bachelor’s degree, Tommy observed that taxation was integral in financial planning and decided to pursue a Master’s Degree in Accounting at Virginia Tech with a focus in taxation.

Tommy is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Public Accountant (CPA). He also holds the Personal Financial Specialist (PFS) designation from the American Institute of Certified Public Accountants (AICPA), as well as the Series 65 and the Virginia Life and Health Consultant Licenses.

Tommy joined Mason & Associates in 2019 as a Senior Financial Planner, and earned a partnership position in 2020. Prior to joining Mason & Associates, Tommy was a Senior Financial Planner at a respected financial planning firm in Richmond, VA, and also has experience with a “Big 4” public accounting firm. Tommy’s primary responsibilities consist of working directly with Mason & Associates clients in all aspects of their financial plan, with a particular emphasis on the subjects of tax, retirement, and estate planning. Tommy works closely with John Mason in developing and implementing technology initiatives at the firm, social media marketing, and is now a co-host of the Mason & Associates Ask the Expert radio show with Michael.

Tommy and his wife, Jess, reside in Williamsburg, Virginia with their dog Harper, and they recently welcomed their first child, Zoe, in July of 2020! Jess is a graduate of James Madison University and currently works for Citizens One Home Loans as an Assistant Vice President. Together, they are enjoying getting to know the area and being close to Jess’s parents who also reside in Williamsburg. In their free time they love traveling, riding bicycles, hiking, checking out local breweries, and taking walks.

Tommy’s memberships and designations include:


Certified Public Accountant (CPA)

Personal Financial Specialist (PFS) designation with the American Institute of Certified Public Accountants (AICPA)

Life and Health Insurance Consultant License in Virginia

Chairman and Past President of the Central Virginia Financial Planning Association (FPA) chapter

Recognized by the Virginia Society of CPA’s as a Top 5 under 35 in 2018

Recognized by Investment News as 40 under 40 in 2018

Received 2017 Standing Ovation Award in Personal Financial Planning from the American Institute of Certified Public Accountants

Read Tommy’s blog here:

John Mason, CFP®

About John Mason, CFP®

John is a graduate of Virginia Tech’s Pamplin School of Business, where he received his Bachelor of Science in Business as a Finance major and completed the CERTIFIED FINANCIAL PLANNER™ (CFP®) education requirement. He passed the comprehensive CFP® exam in November 2010 and earned his designation as CERTIFIED FINANCIAL PLANNER™ in September 2012. John also holds the Series 66 and Virginia Life & Health Consultant licenses.

John joined Mason & Associates in 2010 and began his career assisting Michael and Kenneth. John earned a partnership position at Mason & Associates in 2017 and is now a Senior Financial Planner. His primary duties consist of working directly with Mason & Associates clients in all aspects of their financial plan. Although John enjoys all areas of financial planning, his favorite subjects are tax, retirement, and estate planning. In addition to working with Federal and State employees, John is the team’s specialist with clients who are employees of locally based Huntington Ingalls Industries (HII). John works closely with Tommy Blackburn in developing and implementing technology initiatives at the firm, social media marketing, and is now a co-host of the Mason & Associates Ask the Expert radio show with Michael.

John and his wife, Sara, reside in Yorktown, Virginia. Sara is also a graduate of Virginia Tech and earned a Master’s Degree in Education from William and Mary. Although Sara doesn’t work at the company full time, she is instrumental in helping develop new ideas and frequently assists with editing the website, blog posts, e-mail, and client communication pieces. Together, John and Sara enjoy skiing and snowboarding vacations, visiting friends, and going on walks. They welcomed their first child, Carter, in November of 2019 who is now becoming best friends with their golden retriever, Penny.

Read John’s blog here:

Brian O’Neill, CFP®

About Brian O’Neill, CFP®

Brian “ALF” O’Neill is a native of Overland Park, KS. After graduating from the Catholic University of America in Washington, D.C. with a BSE in computer engineering, he attended pilot training at Vance AFB then served F-16 assignments at Shaw AFB, Eglin AFB, Kunsan AB and Nellis AFB as an F-16 Weapons School instructor. He then transitioned to the F-35 in 2012, commanding an operational test squadron at Edwards AFB, CA. He earned three masters degrees through his military career and served as the military assistant to the Under Secretary of Defense for Policy before finishing his career as an F-35 group commander at Eglin AFB, Florida.

Brian spent 23 years in the Air Force, much of it helping military families navigate personal finance challenges. He found his passion for personal finance as he facilitated Financial Peace University. He went on to complete his CFP requirements and started his own financial planning firm.

Brian is married with two beautiful, talented daughters. He is an avid reader and triathlete and dreams of soon finding time to home brew again.

Read Brian’s blog here:

Michelle Vargas, CFP®

About Michelle Vargas, CFP®

Michelle Vargas, Certified Financial Planner™ is the President of Waymaker Financial Planning, a Fee-Only firm that provides transparent and accessible financial guidance. She enjoys helping clients navigate and plan all aspects of their financial life so that they will worry less about their future and free up more time to spend doing what they love.

After earning a degree in Finance from the University of Southwestern Louisiana in 1990, she moved to Florida and started her career with Harcourt Brace Publishing. Her journey into personal finance began when she signed up for her 401K and wanted to learn about additional options to plan for retirement. This eventually led to working as a financial advisor and completing the extensive education requirements for becoming a CFP® in 1998.

She believes her experience as a young professional searching for unbiased advice enables her to better serve Gen XY professionals because she remembers what it was like being in their shoes. As a former homeschool parent and the wife of a federal employee, she is passionate about helping women, homeschool families, and federal workers plan wisely for a comfortable financial future.

In her spare time, she enjoys hiking in Colorado, barbecuing with family, and working in her garden.

Emmanuel Henson, CFP®

About Emmanuel Henson, CFP®

Starting as a Para-Planner, Manny gained a deep understanding of the power behind proper financial planning and its impact on helping families meet their long-term goals.

As a retirement planner he assisted in helping small to large, for- and non-for-profit businesses, define and implement, appropriate retirement plan designs to incentivize, retain, and grow their workforce.

He has worked with clients between the ages of 18 and 80, those who were traders; those who were happy enough to remember their passwords, and everywhere in-between.

He thrives on educating people on complex areas and making the complexities of Financial Planning easier to understand. He has trading experience in Funds, Equities, fixed income, and derivatives. Now he brings what he has learned to a broader audience.

Along the way, Manny has earned a CERTIFIED FINANCIAL PLANNING (CFP) designation through the Certified Financial Planning Board of Standards, Inc. The Certified Financial Planning Board of Standards confers marks upon those who have obtained the requisite Experience, Ethics, Education, and Examination in the areas of Tax Planning, Retirement Planning, Investment Planning, Insurance Planning, Estate and Legacy Planning, and Employee Benefits.

Manny is married and has two beautiful daughters. When possible, contributes to the Greater Baltimore community. He is the Treasurer for the Dumbarton Middle School PTA.

He has volunteered with Junior Achievement and the Girl Scouts of Central Maryland. In his free time, he also enjoys spending time with his family, bass fishing, practicing Brazilian Jiu-jitsu and mixed martial arts.

Manny holds a Bachelor in Science with a concentration in Finance from Kutztown University of Pennsylvania. Manny holds a FINRA Series 6, 7, 63, 66, and Maryland Life and Health Insurance license.

William Jensen, CFP®, EA, CKA®

About William Jensen, CFP®, EA, CKA®

Welcome to Acadia Financial Services. It’s different here.
From its genesis, we have consciously built a firm that is designed to meet the financial service needs of most individuals and families, while simultaneously addressing many of the hesitations that people face when hiring an advisor.

The motivation to form Acadia stemmed from my first experience with a financial advisor. As a Second Lieutenant in the US Air Force back in 1990, I was referred by a friend to his advisor. In short order, it became clear that he did not have my best interests in mind; he did a fairly good job of separating me from my money. I was so dismayed by the incident that I became my own financial advisor, determined to protect others from the same experience.

Nearly thirty years later, when it was time to retire from the military, I was called to continue serving others as a Christian financial advisor. I now focus on helping clients pursue financial freedom and contentment.

Again, welcome to Acadia Financial Services. I think you will like what you see.

John Cooney, CFP®, EA

About John Cooney, CFP®, EA, MBA

Hello, my name is John Cooney and I am the founder and owner of Green and Gold Financial Planning, a fee-only financial planning firm located in Middleboro, Massachusetts. Since I was young, I have always been fascinated with money, saving, and investing. As I got older, I was excited to learn that there is a whole career field centered around helping people define their financial goals and working together on a plan to help them live the financial lives they want and deserve. This realization led me in 2017 to switch careers and start my own firm so I could turn my passion into a career of helping others.

After graduating from the United States Military Academy in 1998, I served as an Active Duty Armor Officer for 5 and ½ years, including overseas tours to Korea, Bosnia-Herzegovina, and Iraq. Since 2006, I have served in the Army Reserves as a Civil Affairs Officer and enjoyed deployments to Afghanistan, the Horn of Africa, and Kuwait and I continue to serve in the Army Reserves today.

It is my military background that has led me to focus my services on those clients who are currently serving or have served in the past. My experience with programs such as the Thrift Savings Plan, the Blended Retirement System, the Savings Deposit Program is not only professional but personal as well. Having served on Active Duty and as a Reservist, I understand the financial issues and benefits that are involved with military service. I bring a unique perspective to those service members in the National Guard and Reserve and understand the financial decisions that have to be made when juggling a civilian and military career. Most importantly, I’ve lived the life of a service member and wish that when I was a new Second Lieutenant, I knew then what I know now and that is at the heart of what I am trying to do as a financial planner. I am trying to pass on not only what I know as a financial professional, but how I can translate that expertise into the world of a service member, veteran, and their families.

In addition to being a Certified Financial Planner ®, I am also an Enrolled Agent, an IRS designation that allows me to represent tax-payers in front of the IRS. I am a member of the National Association of Personal Financial Advisors (NAPFA), the Financial Planning Association of Massachusetts, the Military Financial Advisors Association, and XY Planning Network. I am an active volunteer with both NAPFA and the FPA in offering Pro Bono services to service members and disabled veterans. When not working or on Drill Weekend, I enjoy traveling and spending quality time with my wife, Erin.

Read John’s blog here: