Only Fee-Only

Guy's Bio:With over 20 years in the financial services industry, Guy has extensive experience as a family-centric investment advisor. He specializes in estate planning, inheritance oversight, and wealth transfer strategies for families. Previously with Citi, Bank of America Investment Services, and MML, his ultimate ambition was to provide unbiased estate oversight and launched a private practice in 2010 which would grow into core planning.Growing up in south Ferguson, Guy attended De Smet Jesuit High School through its work-study scholarship while earning a full ride as an Evans Scholar to the University of Missouri-Columbia. After studying Finance and Fine Arts at Mizzou, he followed up with a Masters Degree in Finance at Webster University in St Louis.Nationally recognized, Guy's advice has been quoted by such outlets as Inc. Magazine, Newsweek, Forbes, US News, Consumers Digest, Fox Business, TheStreet.com, Parade Magazine, MSN Money, Nasdaq.com, Financial Advisor Magazine, On Wall Street, and Yahoo Finance among others.Blessed with wonderful family and friends, Guy loves outdoor activities such as trail-running, kayaking, hunting and fishing. He is actively engaged in the community, volunteering on multiple nonprofit board seats.  Always cultivating creative imbalance with art: oil, acrylic, and fused glass.He and his wife, Jaime Lee, live in O'Fallon, Missouri with their four amazing, loud, and loving children.Social: https://www.linkedin.com/in/guypenn/Twitter: @guympenn

Tyrone's Bio:Tyrone Ross is the CEO and Co-founder of Turnqey Labs, Inc. and President and Founder of 401 Financial, a registered investment adviser. Formerly as the CEO and Co-founder of Onramp Invest he raised $7M in venture capital from Gemini’s Frontier Fund, Coinbase Ventures, SoftBank’s Opportunity Fund and others. He has been recognized by Investment News 40 under 40 (2019), and WealthManagement.com as a top ten advisor set to change the industry in 2019. FinancialPlanning.com named him as one of 20 people who will change wealth management in 2020. He was recently named as Investopedia’s Top 100 financial advisors, Think Advisor’s 2021 IA25: VIP’s Pushing Advisors Forward, and most recently acknowledged as one of Barron’s 10 people to watch in wealth management in 2022. Social:https://www.linkedin.com/in/tyroneross/Twitter: @TR401 

Colin's Bio:Colin is the founder of Zizzi Investments along with his brother Brennan. Investing and soccer have been two of his biggest passions for as long as he can remember.Colin studied finance and accounting at American University, where he was also a four year member of the NCAA Division 1 soccer team. After college, he moved to Spain for 16 months to pursue his dream of playing professional soccer. He returned home to play professional soccer in Central PA for the next three years.While still playing soccer, it was by completely by chance that he joined a local advisory firm where he spent the next 10 years. During this time, Colin earned his CFP®, AIF®, and CEPA® designations while helping to oversee more than $500 million of qualified retirement plan assets and $100 million of individual wealth management relationships.Colin resides in Mechanicsburg, PA with his wife Molly, his son's Carter, Julian, and Leo, and his dog Sage.Colin's Social:https://www.linkedin.com/in/colinzizzi/Twitter: @ColinZizziMusic in this episode was obtained from Bensound.

Ann's Bio:I’m also a CFP® and owner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland OR, author of The College Financial Lady blog  (thecollegefinanciallady.com). My blog has approximately 15,000 subscribers in various media (blog, Facebook). In addition, I’m regularly cited in national media (New York Times, US News & World Report) on the subject of college planning. I earned a BA from the University of California, Berkeley, and am a member of Phi Beta Kappa and of NAPFA, the leading association of fee-only financial advisors.  Early in my career as an advisor, I noticed that clients had so many questions about college—and very few advisors were willing to tackle those questions. Since I kept hearing the same questions again and again (and wanted the answers myself), I started writing down answers in blog format, and The College Financial Lady was born. After seven years, I have developed a wealth of content on this topic through research, interaction with readers, and personal experience. Two years ago, I had an opportunity to put my knowledge to the test when the time came for my own children to apply to college. Social:Twitter: @anngarciacfpLinkedin:  https://www.linkedin.com/in/ann-garcia-cfp/https://howtopayforcollege.comhttps://www.ipawealthmanagement.com/Music in this episode was obtained from bensound.

John's Bio:“John is the only financial advisor you’ll ever meet who’s managed over $3 billion and a sushi kitchen.”That’s what it says on my public relations bio at least, and I’d bet it’s true. My path to financial planning was neither straightforward nor easy. That winding road gave me a unique and valuable perspective on investing and life. After working through the crucible of the 2008/9 financial crisis, I decided to take a page from Monty Python... “And Now for Something Completely Different.” In 2010 I opened Rold Rite Sushi, a wholesaler of fresh sushi and other Asian foods to the trade. I grew the business until I sold it in 2015 to take on the most important job of my life to date, as a stay-at-home dad.When my son entered school, I knew I wanted to return to finance. This time I have a selfless desire to help people that I learned by working in the food business. Food service workers want to make people feel better. I want to share knowledge and wisdom that can help folks better prepare for the future. I want my clients to feel better and worry less about their future because they have a plan for it.I spent decades on Wall Street. I traded and designed some of the most complex bonds ever seen. Then I managed massive portfolios for large institutions. I learned two important lessons from that time.First, the more complex the investment, the greater its costs.Second, the greater its costs, the worse it performs.For investors, simple is better than complex. Einstein said, “Everything should be made as simple as possible, but not simpler.” My mission is to give you more simplicity and less complexity – in both investing and in life.John's Social: Twitter: @StojBojhttps://www.linkedin.com/in/johnstoj/Music in this episode obtained from Bensound

Kaylin's Bio:When my dad died his life insurance policy was supposed to name my sister and me as the beneficiaries according to his divorce agreement with my mom. It turned out he had changed the beneficiary to his new wife. I was a teenager, and this was my first time learning that there’s no one out there making sure people stick to their legal agreements. It seemed bizarre to me that the only mechanism to enforce an agreement is to pursue someone legally after they’ve broken it. Surely lots of people don’t even mean to break their agreements, right?When my husband and I got married we first signed a prenuptial agreement. By that point I’d already learned that it was up to us to make sure we upheld the terms of our own agreement. We didn’t have an authority figure reminding us how to title our accounts and property, paying attention to which accounts should receive what type of income deposits, or making sure we maintain life insurance, as we’d agreed to do. But I started thinking: wouldn’t it be nice if we did?Financial advisors are in a unique position to help families proactively keep family law out of their family’s choices.Whether it’s for a divorce or a marriage, couples don’t enter into marital agreements lightly. This is why I care about helping couples uphold the agreements they’ve made all the while helping them plan confidently for their future together.Kaylins Social:Twitter: @kaylindillonfin

Matt's Bio:Serving others is at the core of why Matt loves being a wealth manager. By working closely with individuals and families, Matt enjoys getting to know his clients on a personal level and helping them make better financial decisions as their lives evolve. With a natural curiosity in money, markets, public policy and business, Matt is always seeking to expand his understanding within these areas. He regularly applies newfound knowledge to create robust wealth plans and investment strategies that improve his clients’ financial health.Matt founded Faubion Wealth Management (FWM) to serve the next generation of wealth generators with the thorough and extensive standard that he believes is required of the position. The firm stays true to its objective approach, by only providing clients with fiduciary advice that is in their best interest. In doing so, FWM designs strategies that are diligently and custom built, given our in-depth process to get to know you, your financial portrait, and the goals that set you apart.Matt began his career as a Wealth Advisor Associate with a boutique wealth management firm in San Francisco. He was a team leader in advancing the firm’s wealth management platform, which specialized in working with high-net-worth technology entrepreneurs. During his time at the firm, he became a CERTIFIED FINANCIAL PLANNER™ professional and was promoted to Senior Wealth Manager. He later joined a nationally recognized financial planning and wealth management firm in Walnut Creek, CA and worked with their Barron’s top 100 independent advisor founder. Additionally, he passed the level 1 exam of the Chartered Financial Analyst designation. And before founding FWM, he was a Wealth Strategist and Partner at a start-up wealth management firm in San Francisco.A Bay Area native, Matt grew up in Pleasanton, and he currently lives in Dublin with his wife, dog and two cats. Coming with the territory, he loves following the 49ers, Sharks, Warriors and Giants. Outside of work, Matt enjoys volunteering and giving back to his community. He is an avid lover of all kinds of music, from classic rock to EDM, and is currently learning the guitar. Matt also enjoys long walks with his wife, spending time with family, reading, traveling, exercising—and all of the great outdoor activities the Golden State has to offer.Matt's Social:https://www.linkedin.com/in/matthewfaubion/Twitter: @FaubWealthMusic in this episode was obtained from Bensound.

Riki's About Me Video:https://www.2point0financial.com/aboutSocial:  https://www.linkedin.com/in/richard-cooke-crpc/Twitter: @RikisRamblingsMusic in this episode was obtained from Bensound.

Steven's Bio:Steven aims to bridge the gap between tax professionals, financial advisors, and their mutual clients to help reduce most people's largest expense in retirement: taxes! With over 10 years of experience from top accounting firms and by partnering with some of the most successful financial advisors in the industry, Steven is uniquely positioned to help financial advisors deliver massive value to their clients AND stay between the lines on compliance. With his valuable skill of distilling endless pages of IRS tax code and case law into easy to explain--easier to implement--actionable items that financial advisors can use with their clients today!Linkedin: https://www.linkedin.com/in/steven-jarvis-ba91aa23/Music in this episode obtained from Bensound.

Meg's Bio:"I worked in the tech industry straight out of college. Through the first Dot Com Boom. Aaaaand through the crash. When I got laid off. Fun times.In my 30s, I got bored with my work in tech, and I changed careers into financial planning. I also got married, had two babies, moved cross-country twice, went back to school for a graduate degree, bought my first home, decided (I mean, not unilaterally) to have my husband retire from tech and become a stay-at-home dad, and started a business (this one!).I don’t know if I’d have had the guts to do all of that without the money and flexibility my husband and I both got from the tech industry. Which is why I love working with women in their early to mid career in the tech industry.It’s such an exciting time of life. And the opportunities are almost boundless. But it’s so stressful. And oh my goodness, what do you mean “estimated taxes”?!I’ve learned that if we are intentional and if we do the work, our opportunities in the tech industry can help us build that fulfilling life we all crave.What else about me?Wellllll, I grew up in Newport News, Virginia. I went to Wellesley College in Massachusetts, where I majored in Economics, gained 10 pounds (unlimited Fruit Loops? whut?!), and learned to banish writer’s block. I moved to the Bay Area in 1998 and worked as a technical writer for 10 years in the San Francisco Bay Area, mostly in the software-security sector. ‘Tis also, it should be noted, where I met my husband. We both worked on the Engineering team at a small startup.After I changed careers, I got my Master’s of Science in Financial Planning from Golden Gate University. I then worked for fee-only Registered Investment Advisors, back in Tidewater Virginia.In search of a home better suited to us, my husband, my two daughters, and I moved to Bellingham, WA. Julia the Dog—a sweet girl, if not technically a good girl—joined us a couple years later.So much of what makes me happy—hiking, biking, cooking, yoga, kale, and ancient minivans missing hubcaps—are part of the fabric of life here. For those rare times when I have a stretch of silence and time, I love reading books about European royal history, sci-fi/fantasy, and Anything Russia.I am a Certified Financial Planner™ professional, a Registered Life Planner™ and a member of the XY Planning Network and the Financial Planning Association."Meg's Social:Twitter- @MegBarteltLinkedin - https://www.linkedin.com/in/megbartelt/Music in this episode was obtained from Bensound.