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Doak Belts ADV2b

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Tom Cooper's ADV2b

"People that work with a CFP professional typically do better especially when the going gets tough"   - Tom Cooper, CFP

A real financial plan addresses and facilitates many strategies and personal financial objectives, including::

• Risk Management
• Cash flow
• Healthcare
• Asset Management
• Tax Management
• Business Transitioning
• Retirement Accumulation,   
• Estate preservation, and much more.

So far, in his career, Tom has helped over 450 families around the United States in his position as a CFP to help clients reach their financial goals. Tom works with his team of professionals to be responsive, and in the best interests of his clients.

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Al DiNicola's ADV2b

Al DiNicola, MBA, AIF has more than 40 years of experience in commercial & residential sales and development. Mr. DiNicola has extensive experience in real estate land acquisitions, development, investment and real estate securities. 

Mr. DiNicola has worked with Public and Private developments including many of the top real estate projects in southwest Florida including Bonita Bay, Mediterra, Miromar Lakes, Pelican Bay, and Babcock Ranch. He has been involved with the development and sales of over 35 projects that included 5,000 residential units totaling over $5 Billion in sales.

Mr. DiNicola grew up in New Jersey and moved to Florida in 1980. He has been a coach and educator and uses those skills in his focus to assist investors in Alternative Real Estate investments including Delaware Statutory Trust (DST), Real Estate Investment Trust (REIT), Opportunity zones and other non-correlated assets.

Mr. DiNicola is a past President of the Naples Board of Realtors and considered an expert in residential sales and commercial investments. Mr. DiNicola is an Accredited Investment Fiduciary (AIF®). Al currently lives in Lakewood Ranch, FL with his wife, Mary, of 38 years.  He enjoys traveling, golf and boating.

Mr. DiNicola is also the co-editor of the DST News, a 1031 industry resource on private securitized real estate offerings designed as 1031 replacement solutions. Website:  www.DSTnews.org

View or download Al’s personal profile (ADV2b) here. DiNicola Profile

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Monique Harris' ADV2b

Monique Harris began her financial services career in 2001 at Morgan Stanley and went on to work for Merrill Lynch for a number of years as well and since then has worked as an investment Advisor serving both families and business owners.

She earned a BBA & BA in  Psychology at the University of New Mexico, Albuquerque, New Mexico and went to study for her Masters degree in Finance at Tulane University, New Orleans, Louisiana.

Ms. Harris also has Life, Annuity, Long-Term Care and Health Insurance License. Since 2003, she has been a member of the National Association of Securities Professionals (NASP), a member and supporter of the Houston Ebony Opera Guild and since 2014 a supporter of The Smahrt Girls Foundation.

To reach Monique by email [email protected] or by cell phone (832) 541-3215.

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Latoya Maddox's ADV2b

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Alyssa Fiumano's ADV2b

Alyssa Fiumano has been awarded the Accredited Investment Fiduciary® (AIF®) and Professional Plan Consultant® (PPC®) designations from the Center for Fiduciary Studies™ (the Center), the standards-setting body for fi360. The AIF designation signifies specialized knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of

care.

The designation is the culmination of a rigorous training program, which includes a comprehensive, closed-book final examination under the supervision of a proctor, and agreement to abide by the Code of Ethics and Conduct Standards. On an ongoing basis, completion of continuing education and adherence to the Code of Ethics and Conduct Standards are required to maintain the AIF and PPC designations.

Based near Pittsburgh, Pa., fi360 is the first full-time training and research facility for fiduciaries and conducts training programs throughout the United States and abroad. The Center for Fiduciary Studies confers the AIF designation as well as the Professional Plan Consultant™ (PPC™) designations. The PPC designation signifies specialized training on retirement plan management and administration and ERISA compliance. 

The Center for Fiduciary Studies is the standards-setting body for Fi360 and is supported by a team of experienced investment practitioners, attorneys, educators, and other professionals. The Center for Fiduciary Studies develops and maintains the Prudent Practices™ defined in our handbooks and awards the Accredited Investment Fiduciary® (AIF®) and Accredited Investment Fiduciary Analyst® (AIFA®) professional designations. In addition, the Center is responsible for overseeing the body of knowledge that forms the basis for its curriculum, examinations, and certifying qualifications.

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Thomas Sanchez's ADV2b

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Kevin Zylstra's ADV2b

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Bryan Smith's ADV2b

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Walter Hester's ADV2b

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Adam Waszkowski's ADV2b

Adam Waszkowski, CFA manages a series of risk-based portfolios consisting of primarily ETF (Exchange Traded Fund) securities.

Managed ETF Core Portfolios are risk-based actively managed multi-asset class ETF portfolios.  Based upon clients’ Risk Profile (from Conservative up through Aggressive) each portfolio is designed and managed to achieve client goals within their risk tolerance. 

The Asset Class Mix is derived from the Risk Profile of each client and rebalanced on an ongoing basis as market prices change (as opposed to quarterly or annually) enabling the manager to take advantage of, and guard against short term price fluctuations.

Exchange Traded Funds (ETFs) are used to gain exposure to different asset classes in a cost-effective and broad based manner.   ETFs typically have very low internal expenses compared to mutual funds; are transparent as their holdings change rarely which leads to greater tax efficiency versus mutual funds.

Please contact Adam Waszkowski, CFA, for more information.