About

I started in financial services in 1990 with First Union National Bank. Became a fiduciary Investment Adviser (IAR) in 1996, a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner in 2011, a Chartered Financial Consultant (ChFC) in 2013, a Tax Planner in 2016, an Accredited Investment Fiduciary® (AIF®) and a Cash Balance Consultant (CBC) in 2018. I am very proud to have a clean compliance record over 25+ years as a fiduciary advisor.

Thoughtful Advisors was founded February 15, 2015 as an independent fiduciary and ethical alternative to mass-marketed national financial mega - corporations. We provide fiduciary financial and income planning for individuals and families. Our savings strategies are designed to client goals at the lowest cost and level of risk possible. We focus on tax smart planning with on-going proactive tax planning changes.

For business clients, we design 401(k), Cash Balance and Non-Qualified Deferred Compensation (including Super Roth NQ) plans with smart fintech payroll and benefit providers. Our plans are fiduciary supervised to protect owners and employees. All plans come with an uncommon level of “do the right thing” professionalism – at lower costs than employers and employees are currently paying.

Our Understand What Is Possible fiduciary design philosophy comes from two iconic observations:

• If you want to have better performance than the crowd, you must do things differently than the crowd. – Sir John Templeton
• People don't know what they want until they know what they can have. – Steve Jobs

We provide strategies and solutions that savers do not know exist. Allowing savers to understand what is available and then decide if those solutions or strategies are in their best interest.

I was born on Long Island, NY and grew up on Florida’s Space Coast. I graduated from the University of Florida - College of Business in 1989. I was a South Tampa resident for 32 years. In Tampa, I was 2 term Treasurer of South Tampa Chamber of Commerce, Treasurer of Coleman Middle School PTSA. I coached TB Little League Baseball, Tampa UA Flag Football and taught Religious Education at Christ the King Catholic Church. Our family relocated to Melbourne Beach in February 2023. I’m treasurer of Rivers Edge HOA, board member of South Beaches Little League and member of Melbourne Regional Chamber of Commerce. I am a member of Tampa Bay Estate Planning Council, University of Florida Advisor Network and Catholic Foundation of Central Florida Advisory Council. I coach South Beaches Little League Baseball. Our family is thrilled to be back on the Space Coast!

We provide fiduciary supervised employer based retirement plans.