Nicholas Rygiel, CFP®, Certified Digital Asset Advisor

About Nicholas Rygiel, CFP®, Certified Digital Asset Advisor

Nick graduated from the United States Naval Academy with a Bachelor of Science degree in Systems Engineering in 2004 (computer engineering and robotics). He served four years as a Surface Warfare Officer aboard the USS PORTER (DDG-78) and two years at the Center for Surface Combat Systems (CSCS) in Dahlgren, VA as a Naval Liaison Officer and Management Analyst (supporting the Littoral Combat Ship and Unmanned Vehicles training programs). After he transitioned out of the Navy, he worked for Deloitte Consulting (Strategy & Operations) in Arlington, VA prior to joining Merrill in October 2011. At Merrill, he was a Senior Financial Advisor until July 2022, when he left to form his own Registered Investment Advisory (RIA) firm called Ironclad Financial.

*Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Ironclad Financial Advisor.

*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.

Lisa Mesquit, CFP®, CFA

About Lisa Mesquit, CFP®, CFA

I am the Founder and CEO of Soaring Investment Management LLC, a Registered Investment Advisory firm based in Portland Oregon. In my 15 years of corporate and individual finance experience, I have managed portfolios from $250 million to over $1 billion. After graduating Oklahoma Christian University cum laude with a BS in Finance, I earned my CFA and have been a Charterholder since 1998 and I added the CFP® designation in 2022.

My salt-of-the-earth upbringing in North Texas has certainly influenced my drive to bring professional money management to individual investors in an accessible and affordable way. My childhood took me from the suburbs of Dallas to the small town of Sanger where I learned to appreciate the beauty of a cow pasture, the majesty of a thunder storm and the fun of a good football game. I also learned that things aren’t always what they seem. Modest people might surreptitiously have substantial wealth, while flashy people might be “all hat and no horse.”

In addition to my upbringing, I have held a variety of positions that have helped shaped me into the advocate for financial prudence that I am today. It began with my first job post high school at a law office. It’s there that I observed the ramifications of a national real estate collapse, the savings and loan crisis, an oil bust, and bankrupt partnerships. Vacant office space propagated the landscape throughout my college years imprinting caution and warning of boom and bust business cycles in my mind.

My long-time internship with Stifel, Nicholas brokerage firm during college introduced me to the workings of a broker/dealer, the investment banking side of municipal bonds and the training of advisors. I learned how big an impact a good advisor can have.

Upon graduation, the exemplary team at MidFirst Bank welcomed me into their Treasury Department. I am forever grateful for the disciplined approach they ingrained in me. I learned about benchmark rates of return, asset pricing, interest rate risk, corporate budgeting, and mortgage-backed securities. Eventually, I was appointed the lead analyst of the bank’s bond portfolio and maintained the Wall Street relationships there.

Arriving at Gap, Inc during a time of a fashion-miss and in the midst of the dot com boom, I kept busy securing funding in the bond market as part of their International Treasury Department. I saw up close the affects of the business cycle and strategic decisions on the shareholders and employees. I also learned, although fun at times, Corporate America was not where I wanted to be. I opt for something more personal and relational.

These business cycles and money decisions affect us all. My childhood roots coupled with valuable professional experiences helped spark my desire for families and communities to experience the blessings of financial prudence. I love being able to provide accessible and affordable professional money management through Soaring Investment Management

Tim Hicks, CFP®

About Tim Hicks, CFP®

I started Hicks Financial Partners, LLC in order to provide fiduciary, fee-only financial planning and investment management.

I want to help you bring clarity to your financial well-being. I want to know your goals and priorities. I want to find out where you want to go; I call this your destination. I want to align your goals, priorities, and destination with your money.

My life experiences are a big part of what I bring to your table. I earned a Computer Engineering degree from North Carolina State University in 1999 and for 15 years worked as a Software Engineer and Software Architect for Fortune 500 companies. However, my interest was always in helping others and truly making a difference in their lives. I was not initially sure how to enter the Financial Services industry and act only as a Fiduciary but that was my one and only goal. After a couple of years struggling to find the right environment to truly serve clients, I am delighted that I found my home to always act in the best interest of our clients at all times and serve as a Fiduciary. In my opinion, that is the way it should always be when helping other with their finances but unfortunately many times that is not the case.

I live in Southern Pines, NC with my wife and three kids. We love to spend time as a family at our beach house in Ocean Isle Beach, NC and participate in sports activities and serve in our local church.

David Miller, CFP®

About David Miller, CFP®

David Miller, CFP®
Rule72 Financial
Potomac Falls, VA

CLIENT SPECIALTIES:
Business Owners, Charitable Giving, Retired Military & Veterans, High-Net worth, US Expatriates, SRI/ESG (Socially Responsible Investing/Environmental, Social and Corporate Governance)

QUICK BIO:
As a retired Air Force veteran and CERTIFIED FINANCIAL PLANNER™ professional, I provide retired military and veterans ways to live their best lives financially, whether working with aging parents, inherited retirement accounts, charitable donor advised funds, or looking for responsible investing. I help business owners provide financial planning to their employees as a benefit. I provide asset management and serve as a personal consultant delivering tailored financial advice.

Scott Vance, CFP®, EA

About Scott Vance, CFP®, EA

I served in the Army for 22 years before retiring and pursuing a career in financial advising. As someone who has transitioned from the military to civilian life, I have personally worked through many military financial questions such as Thrift Savings plan questions, Military Retirement benefits, VA disability benefits, taxes on military retirement and survivor benefit plan. This experience inspired me to help people just like you navigate your way to a successful military retirement and financial life.

My specialty in taxes enables me to uncover military-specific savings that often go overlooked. As a fee-only, independent advisor, I pride myself on simplifying your life, not adding to it.

Julia Lilly, CFP®, MBA

About Julia Lilly, CFP®, MBA

Julia is a Certified Financial Planner ® who is passionate about providing unbiased, holistic financial planning to her clients.

Julia has spent the majority of her career in various roles within the financial services industry ranging from investment banking, government consulting, higher education financial management, and personal financial planning. All of these experiences have provided Julia with a broad perspective on the power of proper planning.

Following graduation from the University of North Carolina – Chapel Hill as a Morehead-Cain scholar, Julia certainly never imagined that her plan would involve a career in finance. She began her professional journey in the legal world, but quickly learned that she was far more excited about the finances and operations of the law firm where she worked than she was about the legal work. This realization led Julia to pursue her M.B.A from San Diego State University while living in California during her husband’s service in the U.S. Marine Corps.

Since that time Julia has embraced her passion for finances and operations and is constantly seeking to learn as much as she can about financial planning options available today to individual investors. She is an advocate for making financial advice accessible, and believes strongly that there is an opportunity to better serve clients on their path to financial clarity.

Julia founded Ryerson Financial out of her desire to bring a unique financial planning solution to individuals and families looking to organize their financial lives. Ryerson Financial is about more than the dollars in an investment account. The firm is centered on helping clients craft a flexible financial plan that reflects their goals and dreams.

Outside of work, Julia spends most of her time with her husband and three kids. Her family recently moved to the Houston, TX area where she enjoys exploring her new neighborhood, reading, staying active, and volunteering at her children’s school. Julia also serves as a volunteer financial coach.

Ben Raikes, CFP®, EA

About Ben Raikes, CFP®, EA

Ben is a graduate of Virginia Tech’s Pamplin School of Business where he graduated with a Bachelor of Science in Business as a Finance major and completed the CERTIFIED FINANCIAL PLANNER™ (CFP®) education requirement.

Ben is a CERTIFIED FINANCIAL PLANNER™ (CFP®) as well as an Enrolled Agent (EA) admitted to practice before the IRS. Ben also holds the Series 65 and the Virginia Life and Health Consultant Licenses.

Ben joined Mason & Associates in 2022 as a Senior Financial Planner. Prior to joining Mason & Associates, Ben was a Vice President and Advisor at a respected financial planning firm in Richmond, VA. Ben also has experience working with other financial planning firms both large and small in northern Virginia and Maryland giving him a diverse background in the profession. Ben’s primary responsibilities consist of working directly with Mason & Associates clients in all aspects of their financial plans, with a particular emphasis on the subjects of tax, retirement, and estate planning. Ben works closely with John Mason and Tommy Blackburn in developing and implementing technology initiatives at the firm.

Ben and his girlfriend Brittany reside in Richmond, Virginia with their dog Wynnie. Together, they enjoy traveling, working-out, taking Wynnie on long walks and enjoying the many restaurants and breweries in the Richmond area.

Ben’s memberships and designations include:

CERTIFIED FINANCIAL PLANNER™ (CFP®)

Enrolled Agent (EA)

Life and Health Insurance Consultant License in Virginia

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

Read Ben’s blog here: https://www.masonllc.net/blog.htm

Tim Hicks, CFP®

About Tim Hicks, CFP®

I started Hicks Financial Partners, LLC in order to provide fiduciary, fee-only financial planning and investment management.

I want to help you bring clarity to your financial well-being. I want to know your goals and priorities. I want to find out where you want to go; I call this your destination. I want to align your goals, priorities, and destination with your money.

My life experiences are a big part of what I bring to your table. I earned a Computer Engineering degree from North Carolina State University in 1999 and for 15 years worked as a Software Engineer and Software Architect for Fortune 500 companies. However, my interest was always in helping others and truly making a difference in their lives. I was not initially sure how to enter the Financial Services industry and act only as a Fiduciary but that was my one and only goal. After a couple of years struggling to find the right environment to truly serve clients, I am delighted that I found my home to always act in the best interest of our clients at all times and serve as a Fiduciary. In my opinion, that is the way it should always be when helping other with their finances but unfortunately many times that is not the case.

I live in Southern Pines, NC with my wife and three kids. We love to spend time as a family at our beach house in Ocean Isle Beach, NC and participate in sports activities and serve in our local church.

Tim Hicks, CFP®

About Tim Hicks, CFP®

I started Hicks Financial Partners, LLC in order to provide fiduciary, fee-only financial planning and investment management.

I want to help you bring clarity to your financial well-being. I want to know your goals and priorities. I want to find out where you want to go; I call this your destination. I want to align your goals, priorities, and destination with your money.

My life experiences are a big part of what I bring to your table. I earned a Computer Engineering degree from North Carolina State University in 1999 and for 15 years worked as a Software Engineer and Software Architect for Fortune 500 companies. However, my interest was always in helping others and truly making a difference in their lives. I was not initially sure how to enter the Financial Services industry and act only as a Fiduciary but that was my one and only goal. After a couple of years struggling to find the right environment to truly serve clients, I am delighted that I found my home to always act in the best interest of our clients at all times and serve as a Fiduciary. In my opinion, that is the way it should always be when helping other with their finances but unfortunately many times that is not the case.

I live in Southern Pines, NC with my wife and three kids. We love to spend time as a family at our beach house in Ocean Isle Beach, NC and participate in sports activities and serve in our local church.

Tim Hicks, CFP®

About Tim Hicks, CFP®

I started Hicks Financial Partners, LLC in order to provide fiduciary, fee-only financial planning and investment management.

I want to help you bring clarity to your financial well-being. I want to know your goals and priorities. I want to find out where you want to go; I call this your destination. I want to align your goals, priorities, and destination with your money.

My life experiences are a big part of what I bring to your table. I earned a Computer Engineering degree from North Carolina State University in 1999 and for 15 years worked as a Software Engineer and Software Architect for Fortune 500 companies. However, my interest was always in helping others and truly making a difference in their lives. I was not initially sure how to enter the Financial Services industry and act only as a Fiduciary but that was my one and only goal. After a couple of years struggling to find the right environment to truly serve clients, I am delighted that I found my home to always act in the best interest of our clients at all times and serve as a Fiduciary. In my opinion, that is the way it should always be when helping other with their finances but unfortunately many times that is not the case.

I live in Southern Pines, NC with my wife and three kids. We love to spend time as a family at our beach house in Ocean Isle Beach, NC and participate in sports activities and serve in our local church.