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Mallory is an independent advisor backed by the resources of a large firm, Pensionmark Financial Group and founder of Epic Life Wealth. This offers the leverage, strength, and resources of a national firm while allowing Mallory flexibility in strategies for her clients. She works with a select group of clients around the country. His clients primarily include mid-size corporations, small businesses, non-profits and corporate executives.

It is the only such certification offered in cooperation with a nationally recognized institution of higher education. Mark has more than 35 years in the financial services business and has consulted on a range of projects for corporate acquisitions and divestitures, the federal employee retirement system FERS, U. He began his career in with Prudential. On July 19, , Mr. The discussion focused on the following issues:. Scalera for participating in the NAPA Fly-In Forum Meetings on Wednesday as a constituent with real-world insight into the operation of employer-sponsored retirement plans and recognized his participation in advocacy on the Hill continues to play a critical role in affecting retirement policy.

He leads the development and delivery of NWK Group services to institutional clients. Prior to co-founding NWK Group in , he worked for boutique firm in San Francisco advising institutional retirement plans. He also is a board member for the Belmont United Soccer Club and is the current fundraising coordinator. Marty represents a family of financial advisors that has been committed to helping America retire since The analytical, problem-solving and management skills developed as a partner with BMP continue to serve him well in his financial advisory roles.

He has been a panelist on Asset TV and speaks to advisors on issues of fiduciary prudence. Marty holds a bachelor's degree in finance from the University of Texas at Austin, a J. Mary's commitment to retirement planning has helped hundreds of employers and thousands of employees implement the path of pursuing their retirement dream. As a Financial Advisor in Southern California who has been in the financial services industry since , she has had a dedicated focus on k management since With this expertise, Mary assists businesses and their employees with the multidimensional aspects of business and personal financial planning.

She is an avid water-skier as well as being actively involved in her community. She is a board member of The First Tee of Pasadena, an organization that impacts the lives of young people through the game of golf by building character and instilling life-enhancing values. As a k Advisor Melinda brings her expertise not only to Plan Sponsors as a Co-Fiduciary on the Investments in their plans but also as an advisor to their employees. The combination of One-on-One Meetings, Monthly Newsletters and Webinars provide employees with the knowledge they need to make informed decisions about their Retirement Assets.

Her Certifications include:. Melinda Thomas is both an Investment Advisory Representative Series 65 and a Registered Representative holding her Series 7, 8, and 63 securities registrations. Mero has spent the last twenty years of his career helping companies and individuals formulate retirement plans designed to address their retirement goals.

The focus of his services is:. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Michael E. He is responsible for the development and oversight of the institutional consulting business in the retirement plans marketplace for corporate, nonprofit and government plans in the Mid-Central region.

Morris has more than two decades of experience in the retirement plans and institutional investment consulting marketplace. This list recognizes the top financial advisers who specialize in serving defined contribution DC retirement plans. He earned a B. A from Xavier University. Michele is the Advisory Representative at the Palmdale, California office with over 25 years of advisory experience.

Lantz provides investment advisory services to many types of clients including corporate retirement plans k plans, profit sharing, and deferred compensation and wealth management to individuals. Michele has earned her Series 7 and 63 registrations. Michele joined the Pensionmark network in as the lead advisor for the Palmdale, CA region. Michele is very innovative with all her clients and works with them to provide customized strategies for their retirement plans. She provides hands-on education tools and meetings for her retirement plan clients.

Noel J. Trias has over twenty-four years experience in the financial services and benefits industry with primary focus in the corporate benefit trust and retirement plan markets. Along with serving as assistant controller with the Kimpton Group, Noel brings a strong accounting and financial background when consulting with corporate clients. In , Noel began his financial services career with New England Financial Advisors and began specializing in the qualified and non-qualified plan marketplace.

Noel has a degree in accounting from the University of San Diego and earned a M. He has been a featured guest speaker with chambers of commerce and trade associations across Arizona and California. He is active in church serving as an elder and teacher of the Orange Glen Church of Christ. Rick has spent his entire professional career of over 25 years helping employees to pursue a retirement with enough income to fulfill their retirement dreams.

He has done this by working with employers to help them to optimize their retirement plan and offering the financial education to their employees. These steps help his clients' employees work towards saving sufficiently to make those dreams a reality. He is an Investment Advisor Representative and holds Series 6, 7, 24, 26, 63 and 65 registrations. Rick and his wife of over 22 years live in Novato, CA with their 18 year old daughter and 15 year old son.

They spend most weekends participating in some activity involving the kids and love to vacation on Cape Cod. When he is not working with clients, Rick enjoys working out as a 'Crossfit' disciple and playing golf with friends.

He has served on the finance committee of his golf club for many years and also coaches his daughter's school basketball team. Bob has extensive institutional experience, with nearly 30 years in the retirement plan industry. His breadth and depth of knowledge cover all aspects of defined contribution, defined benefit, ESOP, and non-qualified plans, including:.

In Bob was named to the Financial Times Top Retirement Advisers list, recognizing the top financial advisers who specialize in serving defined contribution DC retirement plans across the U. His passions include coaching football and baseball at the youth level and spending time at Long Beach Island with his family. Neither the advisors nor their parent firms pay a fee to the Financial Times in exchange for inclusion in the FT Roger has over 25 years experience working with various types of retirement plans.

He works closely with plan sponsors to help achieve efficient plan design, fiduciary compliance, investment selection and to help implement effective employee communications aimed towards positive outcomes. Roger also provides individual wealth management and insurance services. He holds his series 63, 65 and 7 registrations. Roger is happily married to his best friend, Lupe.

They are raising three wonderful teens, Brianna, Mark and Michael. Ryan has been in the financial services industry since Starting in , his focus narrowed to retirement plans in the mid to large market, but with continued attention toward incorporating tax-saving healthcare benefits within the scope of overall retirement planning and financial wellness. Starting his career as a financial consultant with PaineWebber Private Client Group, Scott went on to open his own firm before joining Pensionmark.

Scott is Series 7, 63 and 65 registered and holds life and health insurance licenses. Graduating from Lyon College with a B. In his free time, he enjoys spending time with family, hunting, and volunteering at various Little Rock civic organizations.

While his breadth of knowledge is extensive, his ability to effectively communicate complex, interrelated-disciplines in a plain-English, easy-to-understand manner is what truly sets him apart from other advisors. Scott graduated from the University of Southern California with a degree in Finance, served in the military, and received numerous awards and achievements. He started trading stocks as a teenager, eventually became a licensed professional in , and holds both Series 7 and 63 registrations.

Outside of work, Scott along with his wife, Karla, enjoy doing missionary work both domestically and abroad, volunteering, camping, boating, kayaking, sports fishing, cooking, and traveling. He is married with three children and resides in Eagle, Idaho. Shannon Main began her career in the financial services industry in and works exclusively with corporate retirement plan sponsors, designing plans to help meet the most critical fiduciary standards in an increasingly stringent regulatory environment.

Shannon earned a B. Shannon has spoken at national conferences and local industry events on a variety of retirement plan focused topics. Shaun has been a retirement industry practitioner since As Director of Retirement Plan Services, Shaun is responsible for client engagement, business operations oversight and new business development.

Shelly is a retirement plan expert with over 20 years of experience devoted solely to retirement plan management. Over her career she has provided consulting and fiduciary advisory services to hundreds of non-profits and corporations in areas such as fiduciary governance, plan design, investment consulting, compliance, employee education and communication.

Shelly began her financial services career for one of the top retirement recordkeepers, where she held several client relations and leadership roles. She has spoken at many industry and client conferences on a variety of topics, including fees, benchmarking and financial wellness. She recently became a managing partner of Pensionmark with focus on expanding clientele in the corporate, discretionary investment management and master trust space. Stuart is experienced in many facets of the retirement planning process.

He actively consults with both public and private sector employers on a range of institutional retirement plan issues. As a partner of the firm, he plays a leading role in strategic planning and client relations.

Stuart joined the firm in Prior to joining the firm he was vice president, practice leader with Professional Pensions, Inc. He also holds Series 6, 26 and 65 securities registrations. Tom brings 20 years of financial services experience to Clearview k Consultants. Twelve of those years were exclusively focused on k plans where he developed his K plan design knowledge.

Today, his primary focus is providing institutional clients with in-depth analysis of retirement plan investment options and other relevant information to assist them in their fiduciary investment decisions on behalf of plan participants.

In addition to investment analysis, Tom focuses on helping with the overall health of plans. Developing employee education campaigns that include personalized education sessions help to ensure that participants understand how to reach a comfortable retirement and avoid common mistakes.

Ming is actively involved in his community and enjoys the challenge of getting America's work force to adequately save for retirement. Ming's retirement practice includes investment fiduciary consulting, employee education, plan benchmarking, as well as other services to the qualified plan and fiduciary advisory market.

He consults with a variety of industries to create retirement plan services to address today's retirement needs. Ming has had the opportunity to speak at several retirement plan conferences and continues to be heavily involved with several leading industry organizations.

Raised in Bakersfield, California, Mr. Ming has three children and is married to Amy M. Ming, a special education teacher. Black provides specialized retirement plan support and advisory services for Defined Contribution and Defined Benefits clients.

Tony advises plan sponsors in the development and management of their retirement plans to make sure the goals of the organization are in line with the design and operation of the plans. Tony helps employers manage their fiduciary obligations to participants with concentrated focus on efficient plan design, regular plan review and documentation, and strategic and direct participant communications. He remains an avid Gopher fan and active Alum.

Tony resides in Eden Prairie with his wife and two daughters, and enjoys playing golf, softball, basketball and football when he has spare time. Winkeljohn has spent his entire career focusing on partnering with companies in the design, implementation, and overall management of defined contribution plans. Tracie graduated from the University of Southern California with a B. A in Psychology. She focuses on investments, health insurance, and retirement planning, as well as Medicare plans and long-term care insurance.

Outside of work, Tracie enjoys spending time with her husband and 3 children, riding horses and gardening. She is active member of her church and past President of the Fayetteville Newcomers Club. After receiving his B. Not too long after, he joined The Guardian and opened their first pension office in Arizona. Tuyen then joined Safeco Insurance Company in December of where he opened their first Arizona pension office.

With his twenty plus years of experience and vast knowledge of the k market, Tuyen has become a leading retirement specialist in the industry. He has established over retirement plans and is sought out by industry professionals for his advanced knowledge on product and product designs. Vincent has spent his career, spanning five decades, designing, implementing and administering executive benefit plans that supplement restrictive qualified retirement and group insurance plans.

Some areas of experience include:. In addition to his Executive Benefits practice, Vincent has grown a sizeable wealth transfer practice serving ultra-high net worth individuals and families to transfer wealth generationally. New England Trust served the investment management needs of high net worth families, defined benefit plans and other institutional investors.

While competing in Team Roping both professionally and throughout his intercollegiate career, he learned how to stay focused, disciplined and work as a team. Dean has taken these skills and developed a prudent process to educate both retirement plan sponsors and participants on how to build a comprehensive retirement plan and retire with dignity.

Dean partnered with Pensionmark Financial Group in order to offer his clients enhanced services while aiming to mitigate their risk and focusing on managing their retirement plan goals. He is well known as a valuable consultant for both his retirement plan clients and professional partners and has a streamlined process that to help retirement plan sponsors and participants.

Dean and his wife, Gabriella, a speech therapist for children, currently live outside of San Antonio on their horse ranch. They have two daughters Scarlett and Daniella. The family enjoys traveling to many different States and foreign countries. William Orr provides experienced retirement consulting services by helping his clients understand their retirement plan, attempting to mitigate unintended risks, and providing clarity with regard to plan fees and expenses.

For more than 20 years, Will has been helping clients with their retirement plan needs. Additionally, he is regularly requested to share his knowledge and insight of plan management and fiduciary liability at a number of national forums. Will believes his relationship management experience is the catalyst for establishing strong long-term partnerships with his clients. As a plan sponsor and fiduciary, it is critical to be at the helm of plan fees. Will works to help them understand the costs of their retirement plan and determine any necessary adjustments aimed to bring greater cost efficiency.

Communication is key to enabling employees to maintain their current lifestyle in retirement and retire on their own terms. He utilizes a variety of web based and mobile technologies, in addition to traditional group enrollments, to engage and educate employees and help them begin their track to a successful retirement. Will and his wife, Heather, have been married for over 20 years and are busy raising Abby, Carly, Christopher and Claire.

Casey joined the RedStone team in early after spending many years crafting high end custom staircases. Casey now uses that attention to detail to craft financial plans both for individuals and corporations. With a passion for economics, mathematics, and years of developing client relationships, he adds great dimension to our team. His business background includes project management, team leadership and quality control.

Taylor holds a B. He currently resides in American Fork, Utah with his wife and four children. He graduated from the University of Arkansas with a degree in Accounting and is from the Northwest Arkansas area. Outside of work, Clay enjoys snow skiing, mountain biking, fishing, and spending time with his family. He serves on the Rogers City Council and he has served or is currently serving on numerous non-profit boards in Northwest Arkansas.

David is a Managing Director at PensionmarkMeridien. With extensive experience in both insurance and investments, David has used his passion to help develop unique processes and methods to assist employers and employees, as well as individual clients and families, finding ways to maximize their retirement dollars and to help achieve financial independence. He also leads Financial Planning for the firm.

Dennis started Griggs Retirement Plan Services in and provided qualified retirement plan consulting services to over 50 employers. He merged his practice with Kainos Partners in January and continues focus on qualified plans. Eric began his career Their daughters play softball and train in gymnastics. He also enjoys playing golf, hunting, fishing, and rooting for the Houston Texans and Houston Astros.

Originally from the Pittsburgh area, Glen has spent his entire professional career of over 20 years working with both individuals and business owners and trustees developing strategies to help address their financial goals. Glen works with and advises individuals on retirement, investment, and estate planning. Glen also works with business owners and corporate trustees in a number of employee benefit areas including qualified and non-qualified retirement plans, participant education, executive benefits, and succession planning.

He will work with the clients to implement the strategies in the most cost and time efficient manner. Glen currently lives in Cranberry Township with his wife and three boys who are transitioning to their respective post high school ventures in the next few years. Glen remains busy outside of the office with volunteer organizations throughout the Cranberry Township community. Jim uses his plus years of experience in the financial services industry by serving intuitional clients.

He has competed in two Ironman distance triathlons and uses his experience to help other athletes train for Ironman distance triathlons while raising money for cancer research. As a veteran with eight years of service in the United States Army, joining as a Private and exiting as a Staff Sergeant, the discipline and leadership skills learned have helped pave the way for Joe's service mindset and passion for helping plan sponsors and participants pursue their retirement goals and retire with dignity.

Joe is dedicated to servicing his retirement plans and offering ongoing one-on-one guidance to help educate and prepare for addressing retirement needs. He is known as a valuable resource for his clients and delivers informative education and enrollment meetings that demonstrate his unique understanding of what it takes to achieve a dignified retirement. Joe, born and raised in San Antonio, along with his wife, Vanessa, both enjoy traveling and discovering cultures of different countries.

Joe is very family-oriented, spending most of his time with his five siblings and 17 nieces and nephews. Joe is also involved with multiple non-profit organizations and charities in his local community. With over 30 years in financial services, Kathleen Branconier has focused exclusively on bringing high-level service to retirement plan clients since As cofounder and Principal of Fiduciary Retirement Advisory Group, she serves private and public companies through a highly developed fiduciary management process to help improve the effectiveness of plan sponsors on behalf of their employees.

She is a consultant and educational speaker to other retirement plan advisors, industry professionals and corporate plan sponsors. Marek is a financial advisor with Pensionmark Financial Group where he specializes in designing best in-class retirement plans for his clients. With his decades of industry experience, he has coached countless companies and plan fiduciaries on how to best meet their obligations under ERISA and align their corporate goals with their benefits strategy.

Prior to joining Pensionmark, Marek was a Managing Director at SageView Advisory Group where he advised retirement plan sponsor clients on plan design, investment oversight and fiduciary issues. When not advocating for his clients, Marek can be found with his wife and two kids looking for the newest sushi restaurant in Orange County.

As an independent financial advisor, he specializes in work-place retirement solutions and providing comprehensive wealth management strategies throughout Arkansas and Oklahoma. Matt graduated from the University of Arkansas with degrees in Economics and Spanish and is a Series registered advisor.

Matt has been consulting with qualified retirement plans since providing a comprehensive customized approach for plan sponsors wanting to take advantage of his experience, knowledge of plan design and investment process.

As a Qualified Plan Consultant he has experience working with hundreds of different employer plans across all industries ranging from retail, manufacturing and professional service firms. Matt is uniquely suited to be an advocate for his clients with his down to earth, personalized approach and willingness to defy the status quo. Matt is originally from Thief River Falls in northern Minnesota.

While in college, he had an active leadership role in the Financial Managers Association. Matt currently lives in Mendota Heights and enjoys working out, playing golf, snow skiing and traveling in his spare time. Mikko helps his clients accumulate, preserve and transfer personal wealth. Clients served in the nonqualified and qualified retirement plan, investment and insurance arena have included healthcare conglomerates, white-shoe law firms, ultra-high net worth families, charitable foundations, and many others.

Neil Moody has over 20 years of experience working in the retirement plan marketplace. He began his career working as a plan administrator for Alliance Benefit Group. In , Neil became manager of the Software Testing department at Invesmart. He was responsible for managing the testing process of all proprietary software as well as serving as a liaison with any third party software vendors. In mid , Invesmart was purchased by The Standard. Neil joined a small, cross sectional team which was responsible for the overall integration of the two companies.

His primary responsibilities revolve around the development of the RFP Analysis product as well as investment analysis. His varied experiences in the retirement industry allow him to quickly and accurately decipher each vendors proposed fee and determine a methodology to allow a comparison of the proposed fees on an apples to apples basis. Butler has more than 18 years of diverse financial analysis experience, ranging from analysis of publicly-traded stocks to valuation of privately-held companies, including venture capital investment.

Butler has published numerous articles in many of the major U. He has been invited to speak at numerous national, regional, and international business valuation conferences. Utilizing a variety of investment tools, Mr. Rick brings a strong skill set to our Little Rock office having 14 years of experience as a registered financial advisor. He attended the University of Arkansas in Fayetteville for both his undergraduate degree and law school.

As a Series 7 and Series 66 registered advisor, his main areas of focus within the company are IRAs, retirement plans, and individual wealth management. Rick likes to spend time with family and friends, volunteer at church and local non-profit organizations, and enjoys biking, snow skiing and traveling when he can.

Sergio has been in the financial services industry for nearly 20 years and has extensive experience in managing retirement plans for corporations and non-profits. He actively participates in short-distance triathlons and has completed several half-Ironman distance races. Stacy Heistand has over 20 years of experience working in the retirement plan marketplace. He began his career on the administration and recordkeeping side of the business as an administrator for Merrill Lynch.

Stacy joined Asset Strategy in as a Senior Consultant. Stacy provides investment advisory services to clients and consults on other retirement plan issues including plan design, administration, fiduciary liability, and fees. He also provides clients with analysis on vendor Request for Proposal studies.

Additionally, Stacy has co-authored a study with Clark Frese on the implementation of guaranteed minimum withdrawal products into k plans and continues to advise clients on product design in the retirement plan marketplace.

In his spare time, Stacy enjoys spending time with his wife and four children. With over 21 years of experience in the financial services industry, Stephan is the Director of Investments for the Pensionmark Los Angeles office. Stephan also brings a wealth of expertise in creating comprehensive investment fund selection screening processes and ongoing fund review protocols.

He served as President and Co-President of R. He has coached 15 seasons for youth basketball and is currently helping to coach a local track team and is a proud father of his daughter Tiffany. Stephanie R. Reese joined Tutton Insurance Services in March of but has been in the financial and insurance industry for over fifteen years. She began her career as an intern at Merrill Lynch, assisting the firm with stock market research and investment analysis.

After receiving her B. Stephanie holds the honor of being the only female associate to finish in the Top 10 in her group in In her eight year career with Tutton Insurance Services, she has been nominated six times for Employee of the Year, receiving the honor in Stephanie is a frequent guest lecturer at Scripps College—speaking at both the Economics Senior Seminar and Personal Finance classes regarding financial planning and retirement. In her free time, Stephanie and her husband enjoy traveling to wherever good food and wine can be found!

Taylor advises plan sponsors in the development and management of their retirement plans to help align the goals of the organization with the design and operation of their plans. He helps employers manage their fiduciary obligations to participants with concentrated focus on efficient plan design, regular plan and investment monitoring and analysis, fiduciary services and education for plan sponsors and their employees.

Taylor is well-known as a valuable resource for his clients and employees alike, educating and advising plan participants to help them to achieve a successful retirement on their own terms. In this capacity, he sold and managed b retirement plans in the educational sector. Taylor is a native of Cedar Park, Texas, and is married to Lauren.

Veronica is the Senior Relationship Manager for Pensionmark San Francisco clientele, managing much of the day to day activities as well as education support for employees. Veronica lives in Oakland, California with her boyfriend and their two dogs, Lady and Charlie. She has two life goals, the first to visit every country in the world and the second to visit every major league ballpark.

Amanda has over a decade of experience in client service. She is passionate about helping to create cost effective retirement plan solutions for plan sponsors and equally dedicated to helping every participant on the journey to a dignified retirement. He provides investment consulting and asset management services for public and private institutional clients, working closely with each client to identify and set goals, develop custom strategies and implement specific plans.

Art specializes in monitoring and reviewing investment results, and recommending strategic and tactical adjustments as appropriate. His expertise in providing investment and financial advice has allowed him to develop and refine his systematic consulting approach to fulfill the needs of each specific client.

He has spoken at a number of investment seminars on topics including: reducing portfolio risk, investing in uncertain times, diversification using multi-asset, multi-style and multi-manager methodology. Ben works with individuals and business owners to help guide them through the crucial steps and choices they face to help bring their financial life goals into reality.

He firmly believes that everyone should have access to unbiased financial advice, and consults with clients at all levels of income and assets. Ben lives in San Antonio with his wife, Stephanie, their three young boys and two happy dogs. After a fun and exhilarating career as a professional cellist, Ben turned his attention to helping others think about the future and make smart decisions with their finances.

Ben enjoys spending time with his family, exercising, cooking, volunteering on the board of Youth Orchestras of San Antonio, and playing cello for the touring Broadway shows at the Majestic Theater. Rice is responsible for recruiting independent retirement advisors to partner with Pensionmark in the Advisor Support Program.

Rice's career includes professional experience in the technology industry and more than 25 years in the financial services industry. He is also a licensed real estate broker in the state of California. Rice is involved in several local and national non-profit and charitable organizations. He has provided business training to new business start ups in Central Asia.

He supports the Free Wheelchair Mission by traveling to several countries throughout the world to distribute free wheelchairs to the poor and disabled. She joined the Pensionmark team in October and currently serves as Director of Banking Relations. In this role Bille is responsible on-boarding and project management of large advisory relationships, system management, assisting on investment due diligence reporting and advisory relationship development.

While there she was instrumental bringing process optimization to the back-office functional areas as well as played a key role in their platform development and migration. She enjoys running, traveling and spending time with her family. SevenHills assists approximately employers purchase and manage a full range of employee benefit programs with advice and support systems, as well as helping thousands of individual policyholders navigate their insurance options.

Qualified retirement plans have an integral part of SevenHills service since Schneeman has a keen sense of the special care employers need to properly manage the plan and protect participants, and to encourage understanding and participation by eligible employees. Schneeman actively advocates for clients by being engaged with the health reform debate. He serves on the Minnesota Chamber of Commerce Health Policy Committees as well as a subject matter expert for various other organizations.

He is a regular featured speaker for health and insurance industry events. He has built a stellar reputation in the life insurance and employee benefit industry as an expert and client advocate. Hansen moved from Romania to the United States to pursue her college education. Upon graduation, Mrs. Her responsibilities include processing new business for clients, providing support with plan administrations, assisting with plan compliance, and new plan installation and conversions.

Hansen holds her Series 65 registration and Life Insurance License. She has been recognized as one of the nation's most influential retirement plan advisors by kWire , , , and named to the Top Women Advisors list by the National Association of Plan Advisors A professional in the industry for over twelve years, Mrs.

Duex brought her experience with the benefits field specifically working with Qualified Plans to the Pensionmark team. Devyn has excelled in her role as Vice President of Client Relations and has helped in Pensionmark's rapid expansion since joining the team in Since , Pensionmark has grown from two locations to a national presence with over 25 locations nationwide.

Her passion includes developing service deliverables that push and expand the industry while offering clients tools to manage their fiduciary responsibility and participants the ability to become more retirement ready. Jaimie currently handles the day to day business operations of RedStone Advisors. After moving to Utah, Jaimie worked in the dental field with several dental practices where she managed many aspects of practice operations such as billing, scheduling, and accounts receivable.

Jaimie and her husband have four little girls: Cortlyn, Jordyn, Morgan and Madisyn, who keep them very busy. Jaimie enjoys photography, crafts, being in the outdoors, yard work, reading, cooking, and participating in memorable activities with her family. Walker joined the Pensionmark San Francisco office in , bringing over 14 years of experience in the financial services industry to the team.

With a background in Client Services, ensuring a positive client experience is one of her top priorities. As the Branch Operations Manager she attends to all facets of day to day operations. In addition, Ms. Jani resides in Petaluma with her husband Craig and daughter Nicole, as well as two dogs Reno and Roxy. Her son Charlie attends college in Maryland. She currently holds her Series 7 and is pursuing Series 66 registration.

With 16 years of experience in client services, Jessica brought her experience to our team in She comes to us with a background in banking and finance, and focuses primarily on operations and administrative support. Away from work, Jessica enjoys being mom to an active 3-year-old and traveling. Jill has almost 20 years of experience in the Investment and financial Services industry.

Her role is mainly to work with our advisors and their clients with all aspects of their relationship from opening and transferring accounts, to addressing all client requests for outgoing distributions and resolving client needs and questions. She currently maintains the following security registrations: 6,7, 24, 51 and She is also essential in preparing quarterly investment and fiduciary reports for retirement plan clients as well as individual investors and assures proper correspondence between our office and our clients.

She works with our corporate compliance office to assure the Advisors are adhering to compliance guidelines as well as are properly licensed for the various investments and insurances that are sold to clients of the firm. When not working, Jill enjoys spending time with her family, especially her first grandchild, Jameson. She is actively involved with her church teaching weekly youth group for three to five year olds.

She can often be found out antiquing unless there is a Pittsburgh Steeler or Penguin game going on and you can bet she will be watching the game. Giles has been working with Pensionmark since , first as a consultant and then joining the company full-time in July He has extensive technical experience with Business, Financial and CRM Systems, having developed a wide range of applications since the s to increase the efficiency and effectiveness of operations from the executive level through to finance, marketing, sales and service departments.

He brings that expertise and a consultative approach to problem-solving to Pensionmark. Previously Mr. Giles was Vice President of Sales and Marketing for Lanspeed Systems, a Santa Barbara-based systems integrator, where he combined his technical, sales, service and management ability to facilitate and streamline the sales and service teams, helping to triple revenues during his tenure. Jimmy the Jackhammer enjoys spending time with friends and family, ground-pounding the beach and local trails, reading, writing, recording and playing music with his two rock bands and is an instrument-rated private pilot.

He is responsible for client accounting and reporting, investment technology and investment research. John's in-depth retirement plan background complements his investment advisory role. John began his career at Travelers Insurance Company in He fills an integral role in designing internal processes and implementing relationships with affiliated service providers. John's extensive experience covers a wide range of retirement related issues such as defined benefit plans, defined contribution plans, non-qualified plans and post-retirement welfare plans.

John's expertise includes financial accounting standards, cost accounting standards and asset liability modeling. He then went on to complete the Retirement Plan Fundamentals course through the ASPPA, which demonstrates proficiency of retirement plan administration, design, and operation. When he is not working, Jonathan enjoys spending time with friends and is an avid sports enthusiast.

He is an active fantasy football player and a huge Yankee fan. With 39 years of experience in administrative management roles, Joy brought her expertise to our team in She graduated from the University of Arkansas with a B. E in Human Resources and a M.

She has been a Certified Administrative Professional since , and focuses primarily on operations and retirement plan support. Away from work, Joy's hobbies include various crafts and traveling. Mark joined PensionmarkMeridien in May of Mauricio partners with retirement plan clients with the clear objective to ensure each plan receives individualized care, offering a consultative approach while providing solutions aimed at building and maintaining efficient retirement plans. Part of this care includes delivering education to plan participants with an effort to guide them in understanding the importance and many benefits of preparing for retirement and how this fits into their overall financial wellness.

Mauricio strongly believes that empowering individuals through resourceful education will enable them to achieve a dignified retirement. Mauricio resides in Austin with his wife, Veronica, and their two boys. He enjoys playing soccer, basketball and cooking and thinks coffee should be included in the food pyramid.

Her responsibilities include processing new business, providing support to plan administrators, helping prepare for meetings, and maintaining client files and communications. Slusar has her insurance license and is a notary public.

Raised in Warren, Minnesota, Ms. Slusar has one daughter and in her spare time enjoys cooking, traveling and all outdoor activities. In his current position, Rodger leads the team of professionals who furnish advisory services. Rodger earned a Bachelor of Arts in Economics from St. Rodger serves as an Advisory Council member for both J. He also devotes his time as a consultant or board member for various organizations in Connecticut.

William McLemore is the Director of Insurance for WealthPath bringing 20 years of experience in the insurance and financial service sectors. William currently holds all of hisinsurance licenses, Series 6,63, and 65 registrations, as well as the AIF designation. Doering began his career at Pensionmark in August of He is responsible for recruiting independent retirement advisors to partner with Pensionmark in the Advisor Support Program.

He brings analytical insight and reasoning to the business development team at Pensionmark. Doering currently holds his Series 7 and Series 66 registrations. Before joining the firm, Brian was with Alex. Brown, a division of Raymond James. There he served in a relationship manager capacity, responsible for rebalancing portfolios, analyzing manager research, and handling all client inquiries.

Prior to that, he was an operations team lead with Infinex Investments, Inc. In addition, Mr. Vela oversees the day to day operations of the Financial Wellness Help Center and serves as a Relationship Manager for key group of Pensionmark clients. Vela currently holds his Series 6 and 63 registrations and is pursuing his series While in attendance, Mr. After graduating in , he taught English abroad in Madrid, Spain for two years.

Janelle specializes in delivering experienced service to all retirement plan clients. She prides herself in providing individualized attention to all client needs and objectives. Janelle is responsible for managing all relationships for retirement plan and individual wealth management clients as well as overseeing the day-to-day operations of the San Antonio Pensionmark office.

Janelle joined Pensionmark in May with over 25 years of experience in the Financial Services Industry. Prior to joining Pensionmark, she spent 15 years working in the Banking Industry. Chaves joined the Pensionmark team in with more than 10 years of experience in providing service to corporate retirement plan clients. Her responsibilities included processing new business for clients, providing support with plan administration, assisting with compliance and new plan installations and conversions.

Krista managed the implementation of non-qualified benefit programs such as Supplemental Executive Retirement Plans for Banking organizations. Krista was a key player with the ongoing facilitation of these types of benefits programs and served an integral part in processing new business for clients. Krista graduated with honors from the University of Colorado with a Bachelor of Science degree in Business Management and a minor emphasis in Entrepreneurship and Small Business Management.

Krista is Series 6, Series 63 and Series 65 registered. Krista was recognized in by the Pacific Coast Business Times, as 40 local business leaders under the age of 40 for their career achievements and community involvement.

Kyle joined the Pensionmark team in , and currently serves as an Advisor Relations Manager. In this position, he focuses on supporting the network of advisors from their initial introduction to the Pensionmark and throughout their affiliation. Kyle is currently Life and Health Insurance licensed and also holds his Series 6 Securities registration. Mark is a seasoned financial professional with over 16 years of diverse industry experience. He has a well-rounded background and understands perspectives from both the sales field force and back office operations.

In his free time, Mark enjoys spending time with his family and dogs, fishing, reading, and researching investments. He purchased, operated, and sold a business. He also taught classes at the Sam M. Walton College of Business, University of Arkansas.

Based in Fayetteville, Mark is a series 65 registered investment advisor representative that focuses on individual wealth management and retirement plans. Mark likes to spend his free time with his wife, Heather, and their 5 children, Austin, Braden, Chad, Hadley, and Harper. Windy specializes in collaboratively working with her clients and her team to provide a high-touch service to ensure all client expectations are met and exceeded.

She brings over 30 years of experience working with affluent clients, businesses, and their advisors to creatively design and implement estate, philanthropic, retirement, and executive benefit plans. Alison earned her B. Desiree joined the Pensionmark team in March as an Operations Assistant where she assists in overseeing day-to-day plan operations by answering participant and plan sponsor account inquiries and requests, organizes Plan Due Diligence and Employee Education meetings, and works closely with Relationship Managers to ensure all other operational needs are met.

In her free time, Desiree enjoys spending time with her daughters. In this role, he focuses on supporting our team of advisors with projects as well as the education needs of their clients. His 10 years of experience in the Retirement Plan industry gives a wealth of knowledge in helping our advisors with questions or projects that come from their clients. Jason previously worked at Aspire Financial Services as a Business Relationship Consultant for 2 years with over clients as well as serving on several committees for Aspire Financial Services.

He graduated cum laude from USF. He has previously owned a gym and has been a head coach for both basketball and baseball. Her primary focus will be all aspects of advisor onboarding including licensing and assisting offices with transitioning their books of business. In her free time, she enjoys spending time with her family including her two young daughters, as well as going to the beach and weekends at Disney World.

Maren joined the Pensionmark team as an Investment Analyst in October of As part of the investment team, she assists with fund research, quarterly reporting and analyzing retirement plan fund line-ups.

Maren has worked as both an Investment Analyst and Client Service Director at prior firms since starting in the financial industry in Michelle joined PensionmarkMeridien in and has been the Corporate Controller since that time. With over twenty years of experience in Accounting and Business Management in varied industries ranging from banking to corporate retail to international seafood exporting and wholesaling, she oversees all financial operations for the firm.

Natalie currently serves as the Director of Operations for Pensionmark Insurance, responsible for operational aspects of the business as well as defining new strategies for growth in the insurance channel. Prior to joining Pensionmark in April , Natalie spent eight years at M Financial Group, a financial services organization focused on the unique needs of high net worth individuals and families.

Raul is an experienced Financial Professional and an active member of the San Antonio community. He is dedicated to helping individuals and families build financial futures. His combination of experience, professionalism and access to a wide variety of products and services helps his clients work towards meeting their financial and retirement goals.

Raul is a graduate of The University of Texas at San Antonio — where he met his college sweetheart and wife of 17 years, Elizabeth. They have one son, Ezekiel. Together they enjoy video gaming, local festivals, live music and spending time with extended family throughout Texas and Mississippi.

Cade Johnson is a native of West-Central Texas and has lived in the Texas hill country for five years. Cade prides himself on being disciplined, hard-working and putting others first - all characteristics he attributes to playing sports throughout his collegiate career. His passion for helping others and appreciation of their hard work has led him to the financial services industry where he hopes to improve the quality of retirement for participants and clients alike.

In his spare time, Cade enjoys hunting, fishing, hiking and golf. Christina joined the Pensionmark team as an intern in January , and currently serves as a Senior Associate in Strategies Analysis. As part of the Strategies Analysis Team, she is responsible for prospecting Plan Sponsors in need of unbiased retirement plan consulting, fiduciary mitigation, and cost analysis.

During her time there, she worked as a peer mentor for first-generation students in the undergraduate program within the Economics Department. As part of the Strategies Analysis Team, he is responsible for prospecting Plan Sponsors in need of unbiased retirement plan consulting, fiduciary mitigation, and cost analysis. Pantoja joined the Pensionmark team in May of Working in the Operations Department at Pensionmark, Mr.

Pantoja brings an extensive expertise in the day-to-day client operations. His bilingual skills have proven to be of great value to the call center. Prior to Pensionsmark, he served as an Administrative Assistant at the Center for Autism and Related Disorders and previously as a Customer Associate at a financial institution.

Pantoja is currently pursuing his Series 7 registration. Hilario tries living a healthy lifestyle by regularly enjoying the great outdoors Santa Barbara has to offer and engaging in various physical activities. Additionally, he likes to dedicate his spare time to the arts, as well as spending quality time with friends. She excels in providing clientele exceptional personalized service and manages much of the day to day activities for various types of client accounts.

Leslie currently holds her series 7 and 66 registrations. While in attendance, Rafael was as a member of the nationally ranked Division I soccer team. Rafael joined Pensionmark in as an Investment Analyst. As part of the investment team, his roles include assisting with fund research as well as analyzing plan lineups. Prior to Pensionmark, he served as Staff Accountant for a privately held company and previously as an Audit Accountant in the public sector.

Rafael currently holds his series 7 and 66 registrations. As part of the Strategies Analysis Team, she is responsible for prospecting Plan Sponsors in need of unbiased retirement plan consulting, fiduciary mitigation, cost analysis, and investment advice. Jack initially joined the Pensionmark team in April of , as an associate on the Lead Generation Team.

In this position, he focuses on supporting the network of advisors from their initial introduction to Pensionmark and throughout their affiliation, as well as supporting clients and their participants. Jack currently holds his Series 65 registration. Financial Group. Press enter to begin your search.

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They had to be U. February Selected by kWire poll and committee and based on internal editorial research including, but not limited to, statistics about advisors' practices, and input of k industry insiders. Nominated by industry leaders and selected by kWire poll and committee. Based on input from advisors nominated and an analysis of criteria including statistics about advisors' practices gathered directly from advisors.

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Santa Barbara, CA. Michael Woods President. Michael Woods. Michael and his 3 children live in the Santa Barbara area. Based on new account acquisition for February, Jennifer Tanck, Esq. If he finds a diamond worth gp, he owes 50 gp; if the gem is lost or stolen, he still owes 50 gp the institution isn't penalized for the paladin's carelessness.

Tithes are due only on funds the paladin actually claims for himself. If he walks away from a treasure or refuses a reward, no tithes are necessary. It's the paladin's responsibility to get his tithes to his institution as soon as possible.

A paladin may personally present his tithings to his institution or he may deliver them by messenger. Tithes carried by the paladin but not yet delivered are still considered to be the property of the institution. A starving paladin who has no other funds aside from 10 gp of tithes may not spend his tithes on food, unless he first petitions his deity for permission.

A paladin is known by the company he keeps. Ideally, a paladin associates only with good-aligned companions. Relationships with neutral characters may be tolerated in limited circumstances, but prolonged contact may result in an ethos violation. Any association with an evil-aligned character can be construed as an evil act.

In general, a paladin bears responsibility for the actions of his associates, even those taken without his knowledge or consent. Without exception, all of a paladin's men-at-arms and stronghold employees must be lawful good. The paladin should do his best to determine their alignment before he hires them. Should a hireling commit an evil act or otherwise reveal himself to be of an alignment other than lawful good, the paladin has no recourse but to fire him and, if necessary, turn him over to the proper authorities for prosecution.

In some cases, a paladin shares responsibility for the evil actions of his hirelings. For instance, a paladin's stable master commits murder. The paladin may not be legally liable, but he may be considered an accomplice in an ethical sense. Although the authorities may not prosecute the paladin, he may still suffer a punishment for violating his ethos, particularly if he was remiss in investigating the stable master's background prior to his employment.

As always, it's up to the DM to determine if an ethos violation has been committed. A paladin accepts only lawful good characters as henchmen. As with a hireling, the paladin should make every effort to determine a potential henchman's alignment before an alliance develops. The paladin must immediately dismiss a henchman who commits an evil act.

Good characters. In an adventuring party, a paladin naturally gravitates to other lawful good player characters, making them his confidants and closest companions. Rarely, however, can a paladin choose the composition of his party, as fate often throws together characters of vastly different outlooks.

A paladin cooperates with a party so long as the majority of the characters are good-aligned; a majority of neutral characters or the presence of even a single evil character may present problems. A paladin can maintain a comfortable partnership with a neutral good characters, despite his reservations about the neutral good character's indifference to social structures.

However, the neutral good character must be working strictly in the interests of good. A paladin is less at ease with chaotic good characters, owing to their independent nature and lack of respect for authority. But a paladin will work with chaotic good characters so long as their behavior complies with his goals. Neutral characters. Next to good characters, some paladins feel most comfortable with lawful neutral characters, admiring them for their sense of duty and loyalty to their government.

This, of course, presumes the lawful neutral characters serve reasonably benevolent governments, not despots or slave traders. A paladin will cooperate with a party that contains a minority of lawful neutral or true neutral characters. But he most likely keeps neutral characters at arm's length, resisting their gestures of friendship. Instead, he tries to serve as an example to the neutral characters, hoping to convince them through words and deeds that a commitment to good results in a richer, fuller life.

So long as neutral characters refrain from committing evil acts, a paladin continues to work with them. A paladin won't join a party consisting entirely of neutral characters, unless the stakes are exceptionally high. He may, for instance, work with a neutral party to retrieve a holy artifact, rescue his king, or save his church from destruction. For less momentous undertakings, such as treasure hunts or reconnaissance expeditions, the paladin should excuse himself.

If a party mostly consists of neutral PCs, the DM should explain the general nature of a new adventure to a player with a paladin PC. The player should have the option of gracefully bowing out of the adventure or choosing another character. Evil characters. Because he is duty-bound to suppress evil, a paladin won't tolerate an evil PC. He may take the evil PC into custody, physically restrain him, or demand his expulsion from the party.

If all else fails, the paladin severs his ties with the party and go his own way. In any event, inaction is unacceptable. A paladin finds it difficult, if not impossible, to avoid contact with evil NPCs. They're everywhere: walking down a street, dining at an inn, shopping at a bazaar. A paladin's ethos doesn't compel him to attack or even confront all evil NPCs; in many cases, hostile confrontations could be counterproductive, particularly if such an action distracts the paladin from a more important mission, or if it triggers retaliation from the NPC's companions against innocent bystanders.

Time and circumstances permitting, a paladin may question evil NPCs, follow them, or make inquiries about them. None of these actions violate a paladin's ethos when used in moderation. However, spying and similar actions should be a last resort, because they connote deception. A paladin walks on shaky ground, however, the moment he begins an association with an evil NPC that could be perceived as friendly or compliant.

Edicts include commands, instructions, and traditions the paladin has pledged to obey, usually imposed by the paladin's patron. The paladin must follow his edicts to the letter; he takes them as seriously as any other element of his ethos.

A paladin doesn't choose which edicts to follow. Rather, he pledges to follow any and all edicts issued by specified sources. The paladin chooses his sources when he begins his career. Additionally, the DM may make recommendations or require specific sources. Edict sources may be chosen from the list below. Usually, a paladin's background will suggest appropriate choices. For instance, a paladin whose parents expect him to adhere to their traditions may swear to follow all edicts from his father and mother.

The DM determines the nature of all edicts. He also decides how they apply and when they occur. At the DM's direction, a source may issue a set of edicts at the outset of a paladin's career. Alternately, a source may wait to issue edicts until a particular event occurs such as the acquisition of a stronghold or a declaration of war.

At any time, a source may issue new edicts, modify old edicts, or suspend standing edicts. It's possible that a source may never issue an edict. In any case, it's up to the paladin to keep track of his edicts and follow them exactly. Occasionally, edicts from different sources may conflict. For instance, a paladin's church might issue an edict that clashes with an edict from his government. In most cases, religious edicts take priority over edicts from other sources. In all cases, a paladin's strictures and core principles have priority over strictures issued by any social institution.

For more about conflicting edicts, see Chapter 8. If the paladin belongs to an organized religion, the church will probably be the major source of edicts. Church edicts encompass spiritual obligations, behavior restrictions, and service requirements. Philosophies, too, may have their own edicts, imposed by the architects of the philosophy or by the paladin himself.

A deity may also issue edicts to the paladin directly, appearing in a dream or as an avatar. Chapter 8 discusses religious and philosophic edicts in detail. A paladin who has pledged fealty to his government must follow its edicts. Some examples:. The paladin assumes complete responsibility for the safety of the item or person. Paladins who have no ties to an organized religion often choose to follow the edicts of a mentor.

A mentor can be any teacher, sage, or elder whom the paladin respects; often, the mentor is the paladin's ethical role model or the person who tutored him in philosophy. A group or organization can also qualify as a mentor. Possible edicts:. For instance, the mentor may engage the paladin in probing philosophic discussions on the nature of evil or the obligations of friendship. In effect, the paladin becomes a mentor to someone else.

Unless they contradict the principles of his government or religion, a paladin may choose to follow edicts from his culture. Cultural edicts arise from the long-standing traditions of a particular tribe, region, or race, and as such, they rarely change. Examples include:. A paladin following this edict never eats meat, never hunts for sport or food, and only kills an animal to protect himself or those he's sworn to defend.

Family edicts derive from tradition, obligations to relatives, and the wishes of particular family members. Edicts may be issued by the paladin's parents or grandparents, or by a consensus of all living family members. Won't all paladins automatically choose to follow the edicts of their families? Not necessarily. A paladin's family may not be of good alignment. The paladin may be an orphan and have no knowledge of his family.

Sympathetic families may not wish to burden the paladin with their problems. If a paladin has not vowed to follow the edicts of his family, his obligations to them are no different from his obligations to anyone else. Typical family edicts include:. For example, if a bear sacrificed itself to save the paladin's infant sister from a dragon, the paladin may vow never to harm bears. Virtues are traits exemplifying the highest standards of morality, decency, and duty. They comprise the paladin's personal code.

Although not specifically detailed in the PH definition of a paladin, a paladin's virtues are implied by his strictures as well as his outlook, role, and personality. Just as a paladin must obey his strictures, he must also remain true to his virtues. Though most paladins adhere to all of the virtues described below, exceptions are possible. For instance, a paladin from a primitive society may be so unfamiliar with civilized etiquette that including courtesy as part of his ethos would be unreasonable.

All adjustments must be cleared by the DM at the outset of a paladin's career. There are no rules for adjudicating virtue violations. The DM is advised to err in favor of the paladin when the player makes honest mistakes. Conversely, the player should graciously accept the DM's rulings and, in the spirit of the paladin, avoid looking for loopholes to take advantage of the DM's good will.

The entries below include examples of how virtues might influence the paladin's behavior in the context of a game. In feudal times, fealty referred to the relationship between a warrior and his lord. A warrior swore allegiance to a lord in exchange for protection, support, and property. The lord, in turn, could count on the warrior for military duty and other services.

Both the lord and the warrior scrupulously honored this agreement. Perfidy , the breaking of the promise by either party, was considered a treacherous breach of faith. This book takes a broader view of fealty, defining it as loyalty not only to a lord but to any lawful good government, religion, or philosophy. For convenience, we refer to the recipient of a paladin's loyalty as the patron. Fealty also sets the criteria for a paladin's moral code; in essence, the patron establishes the difference between right and wrong, good and evil.

However, although the patron provides the basic moral code, it is ultimately the paladin who is responsible for and bears the consequences of his actions. A religion is a set of beliefs centering on one or more omnipotent deities with supernatural powers.

The patron is usually a church representing an established religion, but can be a deity. This can be any individual or governing body with the absolute power to make laws and declare war. In most campaigns, the patron is usually a monarch. A philosophy is a system of ideas that explains the nature of the universe, exclusive of supernatural beings.

The patron may be an established philosophy developed by scholars, or a unique philosophy developed by the paladin himself. Chapter 8 discusses the definition of a philosophy in more detail, including the differences between philosophies and religions. For the purposes of fealty, religion and philosophy are mutually exclusive; a paladin can't pledge fealty to both.

Every paladin must pledge fealty to something. As a minimum, he must pledge fealty to either a religion or philosophy; this faith is what grants him the special powers described in Chapter 2. Beyond this requirement, patrons should derive logically from the paladin's background and outlook. In most campaigns, the proper patrons will be self-evident.

For instance:. For reference, Table 14 lists all possible fealty combinations. A paladin may pledge fealty to any of the Permitted combinations assuming the DM approves. He may not pledge fealty to any of the Forbidden combinations. The ways in which governments, religions, and philosophies interact are discussed at length in Chapter 8. Once a paladin pledges fealty to a particular patron, he's bound to that patron indefinitely. Should his king engage in evil activities, or his church become corrupt, the paladin may be forced to pledge fealty to another patron; the Expatriate kit see Chapter 4 describes one possible consequence.

Normally, however, a paladin's patrons never change. The responsibilities associated with fealty vary with the patron. Monarchs, for instance, may require their paladins perform military service. Churches may expect their paladins to follow rigid rules of behavior. The "Edicts'' section elsewhere in this chapter discuses such requirements in detail. In general, however, fealty requires the paladin to:. Geffen is distressed by the news. Many of his schoolmates now live in Dryston, and so does his brother-in-law.

Nevertheless, Geffen vows to engage all soldiers of Dryston as enemies, regardless of who they might be. A compassionate farmer offers to take Geffen to a medical specialist. Geffen accepts, and the farmer loads him in his wagon. An hour into their journey, the wagon passes a herald carrying the banner of Geffen's homeland. Geffen demands that the cart stop, then insists that the driver lift him to his feet.

Reluctantly, the driver does as he's told. With his last ounce of strength, Geffen raises his hand to salute the flag. To a paladin, courtesy involves more than merely following rules of etiquette. It's also an attitude, a way of presenting himself to the world. A paladin carries himself proudly, maintains self-control, and accepts ill-mannered behavior with grace. He follows social customs to the best of his ability.

He is polite and deferential to friends and strangers alike. A paladin always demonstrates proper manners shaking hands with friends, expressing gratitude for favors. He also keeps himself immaculately groomed bathing regularly, wearing clean clothes. A paladin never knowingly insults or slanders another person, even his greatest enemy. If others engage in insults or slander, the paladin walks away.

A paladin refrains from emotional outbursts, excessive eating and drinking, foul language, and other boorish acts. Sir Geffen politely thanks the innkeeper for his time, discreetly wiping the spittle from his cheek as he turns to leave. Sir Geffen, however, stays up for hours, combing dried mud from his hair and cleaning the grime from his armor. A paladin always tells the truth as he knows it. He may decline to speak or choose to withhold information, but he will never intentionally mislead anyone, even his enemies.

He may ask permission not to answer a direct question, but if pressed, he'll tell the truth however, he may frame his answers in such a way as to withhold vital information. Though a paladin doesn't make promises lightly, once he gives his word, he always keeps it.

The commander demands to know the whereabouts of the paladin's companions. Sir Geffen says nothing. Sir Geffen believes that Prevost fought ineptly. Geffen looks him in the eyes. You allowed an opponent to escape.

You dropped your sword at a crucial moment. Your performance was poor. A paladin demonstrates unyielding courage in the face of adversity. No danger is too great to prevent him from fulfilling a promise or completing a mission. His commitment is stronger than his fear of pain, hardship, or even death. A paladin's valor is particularly evident on the battlefield. He regards war as a noble enterprise, and combat as an opportunity to glorify the institution he represents.

A paladin attacks an enemy without hesitation, continuing to fight until the enemy withdraws or is defeated. In general, a paladin prefers melee to missile combat, so he can engage his opponent face to face. The giant snatched young Fredrin from his horse and is now waving him in the air like a trophy.

Sir Geffen's companions scramble from the battlefield, but Geffen lingers behind. At the DM's discretion, a paladin can withdraw with honor if outnumbered by more than in hit dice. If the paladin belongs to an elite organization, the DM might allow the paladin to withdraw if he faces odds of more than If the player suspects such a situation exists, he may ask the DM whether a withdrawal with honor is possible.

With the DM's permission, the paladin may withdraw without violating his ethos. An honorable paladin conducts himself with integrity regardless of circumstance. He behaves in a morally sound manner even when he's by himself or when no one else will know of his actions. It's an admirable act to comfort a dying friend, but an act of honor to comfort a dying enemy. Honor also involves respect, not just for the paladin's peers and superiors, but for anyone sharing the paladin's commitment to goodness and justice.

The paladin shows mercy to the repentant, and refuses to inflict undue suffering even on the vilest evildoer. A challenge from an arrogant youngster or a drunken warrior may go unheeded. The lizard king is old and broken. He can no longer be considered a threat. And he has fought honorably.

Sir Geffen sheathes his sword. He motions for his aides to haul the lizard king away. The king will spend his remaining years in prison. Bound with chains, Sir Geffen stares into the eyes of a cleric who holds a blade to his throat.

Fealty, courtesy, honesty, valor, and honor will likely be a part of every paladin's ethos. Other virtues may also be added, subject to the DM's approval. Some possibilities:. The paladin remains humble in spirit and action. He rejects adulation and declines awards. Tributes embarrass him; the knowledge of a job well done suffices as thanks. He speaks modestly of his deeds, if at all, grateful for the opportunity to fulfill his moral obligations.

The paladin gladly shares his meager funds and possessions with anyone in need. If he owns two swords and a elderly hunter has none, the paladin offers one as a gift. He will give his last crust of bread to a hungry child, even if he must go without food for the rest of the day.

He is also generous of spirit, always willing to lend an ear to a troubled companion or acknowledge a friend's accomplishments with lavish praise. The paladin avoids even the appearance of impropriety, remaining pure in word, deed, and thought. The paladin engages in productive activity at all times. He works diligently and hard until he completes the job at hand. When not working, he studies, exercises, or practices his combat skills.

He considers leisure activities, small talk, and vacations to be time-wasting folly. Feudal tradition required newly knighted soldiers to swear allegiance to a set of principles that embodied religious ideals and service to the king. The oath constituted a sacred promise, securing the knight's loyalty to church and state. At the DM's option, a paladin may take a similar oath, swearing to a "Code of Ennoblement'' that enumerates the strictures, virtues, and edicts he is obliged to uphold.

The code defines the paladin's ethos, spelling out exactly what the patron expects of him. The paladin swears to a Code of Ennoblement when he begins his career, usually as part of a formal ceremony see the "Becoming a Paladin" section of Chapter 7 for suggestions. Typically, a monarch, church official, or mentor administers the code; the paladin candidate repeats the words as the official recites them.

Alternately, the paladin can compose his own oath and recite it in private, addressing his words to a deity, an ancestor's memory "I swear on the spirit of my father" or a universal force "I pledge to the glory of the natural world". Alternately, the DM may standardize the code for all paladins in the campaign. The exact wording of a code isn't important, so long as it includes these elements:.

Name and homeland. The paladin should state his name and where he's from. He may also mention any notable ancestors. At the DM's option, or the player's insistence, the code may list every one of the paladin's strictures.

However, because all paladins must follow all strictures, it's not necessary to recite them one by one. A general phrase "I swear to uphold the sacred strictures" suffices. Fealty patron. The code should indicate to whom or what the paladin has sworn allegiance, as explained in the Fealty section above. Add any new virtues agreed upon by the DM and the player. It's not necessary to spell out the responsibilities of each virtue, so long as both the player and DM have read and understand the descriptions in this chapter.

Any modifications to these descriptions should be made clear before the oath is administered. Recite the relevant sources of edicts, not the edicts themselves. Specific edicts may be mentioned at the player's request or the DM's option. Ordinarily, the terms of a paladin's code never change. The paladin must seek an audience with whoever originally administered the oath or a suitable substitute , then plead his case.

Exemptions are rarely granted, unless new conditions make it impossible for the paladin to remain true to his ethos if his church has become evil, the paladin can't be expected to continue his tithes. Officials may have severe misgivings about a paladin who even requests for an exemption, and may impose a modest penalty to encourage the paladin to stop whining and shape up.

See the "Minor Violations" section below for suitable penalties. Here is a sample Code of Ennoblement to use as a template. Feel free to embellish and customize it as you see fit. It isn't necessary to recite them by name. Arlon will adhere to them all, as outlined in this chapter. Because of his strict upbringing, he'll also follow the virtue of chastity: "Fealty, courtesy, honesty, valor, honor, and chastity.

Arlon names his fealty patrons, and because he's promised to obey the edicts of his parents, he also mentions his family: "My king, my church, and my family. If relics aren't included in the paladin's ceremony, leave out this phrase.

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A paladin has no interest in wealth for its own sake. He seeks spiritual rather than material satisfaction, derived from serving his faith and his government to the best of his ability. To a paladin, the pleasures of ownership are fleeting, superficial, and ultimately debasing. The rewards of duty are lasting and deep. Still, the paladin realizes that a certain amount of money is necessary to survive. Rather than forego money altogether, he retains enough wealth to meet his worldly obligations and sustain a modest lifestyle.

A paladin doesn't expect handouts, nor does he rely on the generosity of strangers or his companions. He feels responsible to pay his own way and takes pride in his self-sufficiency. He earns income from treasure, rewards, and fees, the same as anyone else. Unlike most other characters, however, the paladin operates under strict guidelines as to how he can spend his money and how much he can save.

A paladin is responsible for feeding himself and his steed. To hold down costs, the paladin might hunt his own game, and may gather fruits, nuts and vegetables from the wilderness. Weapons, armor, and clothing. This includes the costs of purchase, upkeep, repair, and replacement. A paladin seldom skimps in this area, spending as much as his funds will allow to secure the highest-quality equipment. Tack and harness. As with weapons and armor, many paladins splurge to buy the best, especially for bonded mounts.

When sleeping outdoors isn't practical, paladins seek out the least expensive inns. Taxes and licenses. The paladin must make all payments required by his liege. He must also pay all foreign tolls and fees levied during his travels. Training costs. A paladin may pay a tutor for training, providing the tutor is of lawful good alignment and the paladin has permission from his patron.

See Chapter 7 for more about training procedures. Miscellaneous provisions. Including medicines, lantern oil, clothing, bedding, and grooming supplies. Many paladins prefer to forage, improvise, or manufacture these items instead of buying them outright, in order to save money. Stronghold expenses. A paladin pays all costs associated with the construction and maintenance of his stronghold. In addition to his contingency fund, a paladin may also maintain a separate fund to save for a stronghold.

As explained in Chapter 7, construction prices vary wildly, though all are expensive. A paladin may have to save for years, even decades, to accumulate enough wealth to build a stronghold. A wise paladin, then, begins his stronghold fund as soon as possible; 1st level isn't too early to start saving.

Once a paladin establishes a stronghold, he acquires a universe of new expenses, particularly those involving personnel and maintenance. The paladin must adjust his monthly budget accordingly. He may also wish to build up his contingency fund to cover two or three months' worth of overhead. An established stronghold typically falls into one of three economic categories, each of which has a particular impact on the paladin's finances:.

The stronghold has no significant agricultural or manufacturing base. Any crops or goods produced at the stronghold are insufficient to pay the stronghold's maintenance costs and employees. The paladin must make up the difference out of his own pocket, which raises his monthly financial obligations dramatically.

It's not unusual for a paladin to subsidize a new stronghold until it gets up and running. With careful management and a little luck, a stronghold becomes self-sustaining within a few months or, at most, a few years. Some paladins, however, subsidize their strongholds indefinitely, usually for one of two reasons:. Such a stronghold requires the commitment of a paladin with considerable resources. Should the paladin decide to cut his losses and abandon the stronghold, he must first see to the well-being of his faithful employees, giving them adequate severance pay and doing what he can to find them new jobs.

The stronghold pays its own way through the sale of crops, goods, or services. The paladin needn't subsidize the operation in any way, nor does he have to worry about the proper disposal of excess profits there aren't any. This is the ideal arrangement for most paladins. The stronghold generates regular and dependable profits from the sale of crops, goods, or services. The paladin uses these profits to expand his holdings to provide jobs for more people or to further glorify his deity, never for personal gain or to increase his donations to his church or other worthy causes.

A profit-making stronghold usually requires extra time and attention from the paladin, or the services of skilled managers. All of a paladin's excess funds must be forfeited. This includes all money remaining after he pays his regular expenses, as well as any money not specifically allocated to a savings fund for building a stronghold.

He may keep a contingency fund equal to two or three times his normal monthly budget including maintenance costs and employee salaries for his stronghold but no more. He may not stockpile money to buy gifts, leave to his heirs, or pay a friend's expenses. If an appreciative community offers him a sack of gems for destroying a vampire, he politely declines.

This does not count as a regular tithing see the Tithing section below , as it's not considered part of his income. Suitable recipients include hospitals, libraries, and orphanages. Research facilities, military organizations, and governmental operations are acceptable only if the paladin is certain that the money will be spent on lawful good projects.

Within these guidelines, a paladin may dispose of his excess funds as he wishes. He may donate treasure to a hospital on one occasion, and refuse a monetary reward for rescuing a kidnapped prince on another. However, he may never give his excess funds to another player character, or to any nonplayer character or creature controlled by a player.

Remember, too, that just because a paladin declines a reward for rescuing a prince doesn't mean his fellow party members can't accept it. If a paladin kills an evil dragon, then walks away from its treasure hoard, his companions are still free to help themselves. A paladin falling on hard times or confronted with unanticipated expenses may arrange for a loan from a lawful good character or institution. While borrowing money may be a humiliating experience, it's rarely an ethos violation unless the paladin borrows money he doesn't need or doesn't intend to repay.

In general, a paladin may borrow only small amounts of money say, an amount equivalent to his monthly budget. He may also borrow the minimum amount required for an emergency; an opportunity to buy a treasure map leading to a holy sword doesn't qualify, but medicine to treat a dying companion might. Borrowing money to pay the monthly operating expenses of a stronghold is allowed, but only if necessary to keep lawful good workers employed or to make vital repairs.

A leaking roof can wait; a crumbled wall probably can't. A paladin should strive to repay his debts as quickly as possible. Repeated borrowing is discouraged, and chronic debt should be considered an ethos violation. If a paladin borrows money for several consecutive months, he might lose his stronghold, his bonded mount, or any other obligation that's costing him more than he can afford.

In most cases, a paladin tithes to his church or other religious organization. If he doesn't belong to a church or operates independently as in the case of the Expatriate character kit described in Chapter 4 , he may designate any lawful good organization, such as a hospital or university, as the recipient of his tithes. A paladin has no say in how his tithes are spent, though the money typically goes towards the institution's maintenance, recruitment, equipment, and education costs.

A paladin usually tithes to the same institution for his entire career. A paladin's first tithe usually comes out of his starting funds of 5d4 x 10 gp. After that, he must tithe from all sources of income, including rewards, treasure, wages, and profits generated from his stronghold.

If he finds a diamond worth gp, he owes 50 gp; if the gem is lost or stolen, he still owes 50 gp the institution isn't penalized for the paladin's carelessness. Tithes are due only on funds the paladin actually claims for himself. If he walks away from a treasure or refuses a reward, no tithes are necessary. It's the paladin's responsibility to get his tithes to his institution as soon as possible. A paladin may personally present his tithings to his institution or he may deliver them by messenger.

Tithes carried by the paladin but not yet delivered are still considered to be the property of the institution. A starving paladin who has no other funds aside from 10 gp of tithes may not spend his tithes on food, unless he first petitions his deity for permission. A paladin is known by the company he keeps. Ideally, a paladin associates only with good-aligned companions. Relationships with neutral characters may be tolerated in limited circumstances, but prolonged contact may result in an ethos violation.

Any association with an evil-aligned character can be construed as an evil act. In general, a paladin bears responsibility for the actions of his associates, even those taken without his knowledge or consent. Without exception, all of a paladin's men-at-arms and stronghold employees must be lawful good. The paladin should do his best to determine their alignment before he hires them. Should a hireling commit an evil act or otherwise reveal himself to be of an alignment other than lawful good, the paladin has no recourse but to fire him and, if necessary, turn him over to the proper authorities for prosecution.

In some cases, a paladin shares responsibility for the evil actions of his hirelings. For instance, a paladin's stable master commits murder. The paladin may not be legally liable, but he may be considered an accomplice in an ethical sense. Although the authorities may not prosecute the paladin, he may still suffer a punishment for violating his ethos, particularly if he was remiss in investigating the stable master's background prior to his employment.

As always, it's up to the DM to determine if an ethos violation has been committed. A paladin accepts only lawful good characters as henchmen. As with a hireling, the paladin should make every effort to determine a potential henchman's alignment before an alliance develops. The paladin must immediately dismiss a henchman who commits an evil act.

Good characters. In an adventuring party, a paladin naturally gravitates to other lawful good player characters, making them his confidants and closest companions. Rarely, however, can a paladin choose the composition of his party, as fate often throws together characters of vastly different outlooks.

A paladin cooperates with a party so long as the majority of the characters are good-aligned; a majority of neutral characters or the presence of even a single evil character may present problems. A paladin can maintain a comfortable partnership with a neutral good characters, despite his reservations about the neutral good character's indifference to social structures. However, the neutral good character must be working strictly in the interests of good.

A paladin is less at ease with chaotic good characters, owing to their independent nature and lack of respect for authority. But a paladin will work with chaotic good characters so long as their behavior complies with his goals.

Neutral characters. Next to good characters, some paladins feel most comfortable with lawful neutral characters, admiring them for their sense of duty and loyalty to their government. This, of course, presumes the lawful neutral characters serve reasonably benevolent governments, not despots or slave traders. A paladin will cooperate with a party that contains a minority of lawful neutral or true neutral characters. But he most likely keeps neutral characters at arm's length, resisting their gestures of friendship.

Instead, he tries to serve as an example to the neutral characters, hoping to convince them through words and deeds that a commitment to good results in a richer, fuller life. So long as neutral characters refrain from committing evil acts, a paladin continues to work with them. A paladin won't join a party consisting entirely of neutral characters, unless the stakes are exceptionally high.

He may, for instance, work with a neutral party to retrieve a holy artifact, rescue his king, or save his church from destruction. For less momentous undertakings, such as treasure hunts or reconnaissance expeditions, the paladin should excuse himself.

If a party mostly consists of neutral PCs, the DM should explain the general nature of a new adventure to a player with a paladin PC. The player should have the option of gracefully bowing out of the adventure or choosing another character. Evil characters. Because he is duty-bound to suppress evil, a paladin won't tolerate an evil PC.

He may take the evil PC into custody, physically restrain him, or demand his expulsion from the party. If all else fails, the paladin severs his ties with the party and go his own way. In any event, inaction is unacceptable. A paladin finds it difficult, if not impossible, to avoid contact with evil NPCs.

They're everywhere: walking down a street, dining at an inn, shopping at a bazaar. A paladin's ethos doesn't compel him to attack or even confront all evil NPCs; in many cases, hostile confrontations could be counterproductive, particularly if such an action distracts the paladin from a more important mission, or if it triggers retaliation from the NPC's companions against innocent bystanders.

Time and circumstances permitting, a paladin may question evil NPCs, follow them, or make inquiries about them. None of these actions violate a paladin's ethos when used in moderation. However, spying and similar actions should be a last resort, because they connote deception. A paladin walks on shaky ground, however, the moment he begins an association with an evil NPC that could be perceived as friendly or compliant.

Edicts include commands, instructions, and traditions the paladin has pledged to obey, usually imposed by the paladin's patron. The paladin must follow his edicts to the letter; he takes them as seriously as any other element of his ethos. A paladin doesn't choose which edicts to follow. Rather, he pledges to follow any and all edicts issued by specified sources. The paladin chooses his sources when he begins his career. Additionally, the DM may make recommendations or require specific sources.

Edict sources may be chosen from the list below. Usually, a paladin's background will suggest appropriate choices. For instance, a paladin whose parents expect him to adhere to their traditions may swear to follow all edicts from his father and mother. The DM determines the nature of all edicts. He also decides how they apply and when they occur. At the DM's direction, a source may issue a set of edicts at the outset of a paladin's career.

Alternately, a source may wait to issue edicts until a particular event occurs such as the acquisition of a stronghold or a declaration of war. At any time, a source may issue new edicts, modify old edicts, or suspend standing edicts. It's possible that a source may never issue an edict.

In any case, it's up to the paladin to keep track of his edicts and follow them exactly. Occasionally, edicts from different sources may conflict. For instance, a paladin's church might issue an edict that clashes with an edict from his government. In most cases, religious edicts take priority over edicts from other sources. In all cases, a paladin's strictures and core principles have priority over strictures issued by any social institution.

For more about conflicting edicts, see Chapter 8. If the paladin belongs to an organized religion, the church will probably be the major source of edicts. Church edicts encompass spiritual obligations, behavior restrictions, and service requirements. Philosophies, too, may have their own edicts, imposed by the architects of the philosophy or by the paladin himself.

A deity may also issue edicts to the paladin directly, appearing in a dream or as an avatar. Chapter 8 discusses religious and philosophic edicts in detail. A paladin who has pledged fealty to his government must follow its edicts. Some examples:. The paladin assumes complete responsibility for the safety of the item or person. Paladins who have no ties to an organized religion often choose to follow the edicts of a mentor.

A mentor can be any teacher, sage, or elder whom the paladin respects; often, the mentor is the paladin's ethical role model or the person who tutored him in philosophy. A group or organization can also qualify as a mentor. Possible edicts:. For instance, the mentor may engage the paladin in probing philosophic discussions on the nature of evil or the obligations of friendship. In effect, the paladin becomes a mentor to someone else. Unless they contradict the principles of his government or religion, a paladin may choose to follow edicts from his culture.

Cultural edicts arise from the long-standing traditions of a particular tribe, region, or race, and as such, they rarely change. Examples include:. A paladin following this edict never eats meat, never hunts for sport or food, and only kills an animal to protect himself or those he's sworn to defend.

Family edicts derive from tradition, obligations to relatives, and the wishes of particular family members. Edicts may be issued by the paladin's parents or grandparents, or by a consensus of all living family members. Won't all paladins automatically choose to follow the edicts of their families? Not necessarily.

A paladin's family may not be of good alignment. The paladin may be an orphan and have no knowledge of his family. Sympathetic families may not wish to burden the paladin with their problems. If a paladin has not vowed to follow the edicts of his family, his obligations to them are no different from his obligations to anyone else. Typical family edicts include:. For example, if a bear sacrificed itself to save the paladin's infant sister from a dragon, the paladin may vow never to harm bears.

Virtues are traits exemplifying the highest standards of morality, decency, and duty. They comprise the paladin's personal code. Although not specifically detailed in the PH definition of a paladin, a paladin's virtues are implied by his strictures as well as his outlook, role, and personality.

Just as a paladin must obey his strictures, he must also remain true to his virtues. Though most paladins adhere to all of the virtues described below, exceptions are possible. For instance, a paladin from a primitive society may be so unfamiliar with civilized etiquette that including courtesy as part of his ethos would be unreasonable.

All adjustments must be cleared by the DM at the outset of a paladin's career. There are no rules for adjudicating virtue violations. The DM is advised to err in favor of the paladin when the player makes honest mistakes. Conversely, the player should graciously accept the DM's rulings and, in the spirit of the paladin, avoid looking for loopholes to take advantage of the DM's good will.

The entries below include examples of how virtues might influence the paladin's behavior in the context of a game. In feudal times, fealty referred to the relationship between a warrior and his lord. A warrior swore allegiance to a lord in exchange for protection, support, and property.

The lord, in turn, could count on the warrior for military duty and other services. Both the lord and the warrior scrupulously honored this agreement. Perfidy , the breaking of the promise by either party, was considered a treacherous breach of faith. This book takes a broader view of fealty, defining it as loyalty not only to a lord but to any lawful good government, religion, or philosophy.

For convenience, we refer to the recipient of a paladin's loyalty as the patron. Fealty also sets the criteria for a paladin's moral code; in essence, the patron establishes the difference between right and wrong, good and evil. However, although the patron provides the basic moral code, it is ultimately the paladin who is responsible for and bears the consequences of his actions.

A religion is a set of beliefs centering on one or more omnipotent deities with supernatural powers. The patron is usually a church representing an established religion, but can be a deity. This can be any individual or governing body with the absolute power to make laws and declare war.

In most campaigns, the patron is usually a monarch. A philosophy is a system of ideas that explains the nature of the universe, exclusive of supernatural beings. The patron may be an established philosophy developed by scholars, or a unique philosophy developed by the paladin himself.

Chapter 8 discusses the definition of a philosophy in more detail, including the differences between philosophies and religions. For the purposes of fealty, religion and philosophy are mutually exclusive; a paladin can't pledge fealty to both. Every paladin must pledge fealty to something.

As a minimum, he must pledge fealty to either a religion or philosophy; this faith is what grants him the special powers described in Chapter 2. Beyond this requirement, patrons should derive logically from the paladin's background and outlook. In most campaigns, the proper patrons will be self-evident. For instance:. For reference, Table 14 lists all possible fealty combinations. A paladin may pledge fealty to any of the Permitted combinations assuming the DM approves.

He may not pledge fealty to any of the Forbidden combinations. The ways in which governments, religions, and philosophies interact are discussed at length in Chapter 8. Once a paladin pledges fealty to a particular patron, he's bound to that patron indefinitely. Should his king engage in evil activities, or his church become corrupt, the paladin may be forced to pledge fealty to another patron; the Expatriate kit see Chapter 4 describes one possible consequence.

Normally, however, a paladin's patrons never change. The responsibilities associated with fealty vary with the patron. Monarchs, for instance, may require their paladins perform military service. Churches may expect their paladins to follow rigid rules of behavior.

The "Edicts'' section elsewhere in this chapter discuses such requirements in detail. In general, however, fealty requires the paladin to:. Geffen is distressed by the news. Many of his schoolmates now live in Dryston, and so does his brother-in-law. Nevertheless, Geffen vows to engage all soldiers of Dryston as enemies, regardless of who they might be. A compassionate farmer offers to take Geffen to a medical specialist.

Geffen accepts, and the farmer loads him in his wagon. An hour into their journey, the wagon passes a herald carrying the banner of Geffen's homeland. Geffen demands that the cart stop, then insists that the driver lift him to his feet. Reluctantly, the driver does as he's told. With his last ounce of strength, Geffen raises his hand to salute the flag.

To a paladin, courtesy involves more than merely following rules of etiquette. It's also an attitude, a way of presenting himself to the world. A paladin carries himself proudly, maintains self-control, and accepts ill-mannered behavior with grace.

He follows social customs to the best of his ability. He is polite and deferential to friends and strangers alike. A paladin always demonstrates proper manners shaking hands with friends, expressing gratitude for favors. He also keeps himself immaculately groomed bathing regularly, wearing clean clothes.

A paladin never knowingly insults or slanders another person, even his greatest enemy. If others engage in insults or slander, the paladin walks away. A paladin refrains from emotional outbursts, excessive eating and drinking, foul language, and other boorish acts.

Sir Geffen politely thanks the innkeeper for his time, discreetly wiping the spittle from his cheek as he turns to leave. Sir Geffen, however, stays up for hours, combing dried mud from his hair and cleaning the grime from his armor. A paladin always tells the truth as he knows it. He may decline to speak or choose to withhold information, but he will never intentionally mislead anyone, even his enemies. He may ask permission not to answer a direct question, but if pressed, he'll tell the truth however, he may frame his answers in such a way as to withhold vital information.

Though a paladin doesn't make promises lightly, once he gives his word, he always keeps it. The commander demands to know the whereabouts of the paladin's companions. Sir Geffen says nothing. Sir Geffen believes that Prevost fought ineptly. Geffen looks him in the eyes. He served as President and Co-President of R. He has coached 15 seasons for youth basketball and is currently helping to coach a local track team and is a proud father of his daughter Tiffany.

Stephanie R. Reese joined Tutton Insurance Services in March of but has been in the financial and insurance industry for over fifteen years. She began her career as an intern at Merrill Lynch, assisting the firm with stock market research and investment analysis. After receiving her B. Stephanie holds the honor of being the only female associate to finish in the Top 10 in her group in In her eight year career with Tutton Insurance Services, she has been nominated six times for Employee of the Year, receiving the honor in Stephanie is a frequent guest lecturer at Scripps College—speaking at both the Economics Senior Seminar and Personal Finance classes regarding financial planning and retirement.

In her free time, Stephanie and her husband enjoy traveling to wherever good food and wine can be found! Taylor advises plan sponsors in the development and management of their retirement plans to help align the goals of the organization with the design and operation of their plans. He helps employers manage their fiduciary obligations to participants with concentrated focus on efficient plan design, regular plan and investment monitoring and analysis, fiduciary services and education for plan sponsors and their employees.

Taylor is well-known as a valuable resource for his clients and employees alike, educating and advising plan participants to help them to achieve a successful retirement on their own terms. In this capacity, he sold and managed b retirement plans in the educational sector. Taylor is a native of Cedar Park, Texas, and is married to Lauren. Veronica is the Senior Relationship Manager for Pensionmark San Francisco clientele, managing much of the day to day activities as well as education support for employees.

Veronica lives in Oakland, California with her boyfriend and their two dogs, Lady and Charlie. She has two life goals, the first to visit every country in the world and the second to visit every major league ballpark. Amanda has over a decade of experience in client service.

She is passionate about helping to create cost effective retirement plan solutions for plan sponsors and equally dedicated to helping every participant on the journey to a dignified retirement. He provides investment consulting and asset management services for public and private institutional clients, working closely with each client to identify and set goals, develop custom strategies and implement specific plans.

Art specializes in monitoring and reviewing investment results, and recommending strategic and tactical adjustments as appropriate. His expertise in providing investment and financial advice has allowed him to develop and refine his systematic consulting approach to fulfill the needs of each specific client.

He has spoken at a number of investment seminars on topics including: reducing portfolio risk, investing in uncertain times, diversification using multi-asset, multi-style and multi-manager methodology. Ben works with individuals and business owners to help guide them through the crucial steps and choices they face to help bring their financial life goals into reality.

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Ben enjoys spending time with his family, exercising, cooking, volunteering on the board of Youth Orchestras of San Antonio, and playing cello for the touring Broadway shows at the Majestic Theater. Rice is responsible for recruiting independent retirement advisors to partner with Pensionmark in the Advisor Support Program. Rice's career includes professional experience in the technology industry and more than 25 years in the financial services industry.

He is also a licensed real estate broker in the state of California. Rice is involved in several local and national non-profit and charitable organizations. He has provided business training to new business start ups in Central Asia.

He supports the Free Wheelchair Mission by traveling to several countries throughout the world to distribute free wheelchairs to the poor and disabled. She joined the Pensionmark team in October and currently serves as Director of Banking Relations. In this role Bille is responsible on-boarding and project management of large advisory relationships, system management, assisting on investment due diligence reporting and advisory relationship development.

While there she was instrumental bringing process optimization to the back-office functional areas as well as played a key role in their platform development and migration. She enjoys running, traveling and spending time with her family. SevenHills assists approximately employers purchase and manage a full range of employee benefit programs with advice and support systems, as well as helping thousands of individual policyholders navigate their insurance options.

Qualified retirement plans have an integral part of SevenHills service since Schneeman has a keen sense of the special care employers need to properly manage the plan and protect participants, and to encourage understanding and participation by eligible employees. Schneeman actively advocates for clients by being engaged with the health reform debate. He serves on the Minnesota Chamber of Commerce Health Policy Committees as well as a subject matter expert for various other organizations.

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Hansen holds her Series 65 registration and Life Insurance License. She has been recognized as one of the nation's most influential retirement plan advisors by kWire , , , and named to the Top Women Advisors list by the National Association of Plan Advisors A professional in the industry for over twelve years, Mrs.

Duex brought her experience with the benefits field specifically working with Qualified Plans to the Pensionmark team. Devyn has excelled in her role as Vice President of Client Relations and has helped in Pensionmark's rapid expansion since joining the team in Since , Pensionmark has grown from two locations to a national presence with over 25 locations nationwide.

Her passion includes developing service deliverables that push and expand the industry while offering clients tools to manage their fiduciary responsibility and participants the ability to become more retirement ready. Jaimie currently handles the day to day business operations of RedStone Advisors. After moving to Utah, Jaimie worked in the dental field with several dental practices where she managed many aspects of practice operations such as billing, scheduling, and accounts receivable.

Jaimie and her husband have four little girls: Cortlyn, Jordyn, Morgan and Madisyn, who keep them very busy. Jaimie enjoys photography, crafts, being in the outdoors, yard work, reading, cooking, and participating in memorable activities with her family. Walker joined the Pensionmark San Francisco office in , bringing over 14 years of experience in the financial services industry to the team.

With a background in Client Services, ensuring a positive client experience is one of her top priorities. As the Branch Operations Manager she attends to all facets of day to day operations. In addition, Ms. Jani resides in Petaluma with her husband Craig and daughter Nicole, as well as two dogs Reno and Roxy. Her son Charlie attends college in Maryland. She currently holds her Series 7 and is pursuing Series 66 registration. With 16 years of experience in client services, Jessica brought her experience to our team in She comes to us with a background in banking and finance, and focuses primarily on operations and administrative support.

Away from work, Jessica enjoys being mom to an active 3-year-old and traveling. Jill has almost 20 years of experience in the Investment and financial Services industry. Her role is mainly to work with our advisors and their clients with all aspects of their relationship from opening and transferring accounts, to addressing all client requests for outgoing distributions and resolving client needs and questions.

She currently maintains the following security registrations: 6,7, 24, 51 and She is also essential in preparing quarterly investment and fiduciary reports for retirement plan clients as well as individual investors and assures proper correspondence between our office and our clients. She works with our corporate compliance office to assure the Advisors are adhering to compliance guidelines as well as are properly licensed for the various investments and insurances that are sold to clients of the firm.

When not working, Jill enjoys spending time with her family, especially her first grandchild, Jameson. She is actively involved with her church teaching weekly youth group for three to five year olds. She can often be found out antiquing unless there is a Pittsburgh Steeler or Penguin game going on and you can bet she will be watching the game. Giles has been working with Pensionmark since , first as a consultant and then joining the company full-time in July He has extensive technical experience with Business, Financial and CRM Systems, having developed a wide range of applications since the s to increase the efficiency and effectiveness of operations from the executive level through to finance, marketing, sales and service departments.

He brings that expertise and a consultative approach to problem-solving to Pensionmark. Previously Mr. Giles was Vice President of Sales and Marketing for Lanspeed Systems, a Santa Barbara-based systems integrator, where he combined his technical, sales, service and management ability to facilitate and streamline the sales and service teams, helping to triple revenues during his tenure.

Jimmy the Jackhammer enjoys spending time with friends and family, ground-pounding the beach and local trails, reading, writing, recording and playing music with his two rock bands and is an instrument-rated private pilot. He is responsible for client accounting and reporting, investment technology and investment research. John's in-depth retirement plan background complements his investment advisory role. John began his career at Travelers Insurance Company in He fills an integral role in designing internal processes and implementing relationships with affiliated service providers.

John's extensive experience covers a wide range of retirement related issues such as defined benefit plans, defined contribution plans, non-qualified plans and post-retirement welfare plans. John's expertise includes financial accounting standards, cost accounting standards and asset liability modeling. He then went on to complete the Retirement Plan Fundamentals course through the ASPPA, which demonstrates proficiency of retirement plan administration, design, and operation.

When he is not working, Jonathan enjoys spending time with friends and is an avid sports enthusiast. He is an active fantasy football player and a huge Yankee fan. With 39 years of experience in administrative management roles, Joy brought her expertise to our team in She graduated from the University of Arkansas with a B. E in Human Resources and a M. She has been a Certified Administrative Professional since , and focuses primarily on operations and retirement plan support.

Away from work, Joy's hobbies include various crafts and traveling. Mark joined PensionmarkMeridien in May of Mauricio partners with retirement plan clients with the clear objective to ensure each plan receives individualized care, offering a consultative approach while providing solutions aimed at building and maintaining efficient retirement plans. Part of this care includes delivering education to plan participants with an effort to guide them in understanding the importance and many benefits of preparing for retirement and how this fits into their overall financial wellness.

Mauricio strongly believes that empowering individuals through resourceful education will enable them to achieve a dignified retirement. Mauricio resides in Austin with his wife, Veronica, and their two boys. He enjoys playing soccer, basketball and cooking and thinks coffee should be included in the food pyramid.

Her responsibilities include processing new business, providing support to plan administrators, helping prepare for meetings, and maintaining client files and communications. Slusar has her insurance license and is a notary public. Raised in Warren, Minnesota, Ms. Slusar has one daughter and in her spare time enjoys cooking, traveling and all outdoor activities. In his current position, Rodger leads the team of professionals who furnish advisory services.

Rodger earned a Bachelor of Arts in Economics from St. Rodger serves as an Advisory Council member for both J. He also devotes his time as a consultant or board member for various organizations in Connecticut. William McLemore is the Director of Insurance for WealthPath bringing 20 years of experience in the insurance and financial service sectors. William currently holds all of hisinsurance licenses, Series 6,63, and 65 registrations, as well as the AIF designation.

Doering began his career at Pensionmark in August of He is responsible for recruiting independent retirement advisors to partner with Pensionmark in the Advisor Support Program. He brings analytical insight and reasoning to the business development team at Pensionmark.

Doering currently holds his Series 7 and Series 66 registrations. Before joining the firm, Brian was with Alex. Brown, a division of Raymond James. There he served in a relationship manager capacity, responsible for rebalancing portfolios, analyzing manager research, and handling all client inquiries. Prior to that, he was an operations team lead with Infinex Investments, Inc.

In addition, Mr. Vela oversees the day to day operations of the Financial Wellness Help Center and serves as a Relationship Manager for key group of Pensionmark clients. Vela currently holds his Series 6 and 63 registrations and is pursuing his series While in attendance, Mr.

After graduating in , he taught English abroad in Madrid, Spain for two years. Janelle specializes in delivering experienced service to all retirement plan clients. She prides herself in providing individualized attention to all client needs and objectives. Janelle is responsible for managing all relationships for retirement plan and individual wealth management clients as well as overseeing the day-to-day operations of the San Antonio Pensionmark office.

Janelle joined Pensionmark in May with over 25 years of experience in the Financial Services Industry. Prior to joining Pensionmark, she spent 15 years working in the Banking Industry. Chaves joined the Pensionmark team in with more than 10 years of experience in providing service to corporate retirement plan clients. Her responsibilities included processing new business for clients, providing support with plan administration, assisting with compliance and new plan installations and conversions.

Krista managed the implementation of non-qualified benefit programs such as Supplemental Executive Retirement Plans for Banking organizations. Krista was a key player with the ongoing facilitation of these types of benefits programs and served an integral part in processing new business for clients.

Krista graduated with honors from the University of Colorado with a Bachelor of Science degree in Business Management and a minor emphasis in Entrepreneurship and Small Business Management. Krista is Series 6, Series 63 and Series 65 registered. Krista was recognized in by the Pacific Coast Business Times, as 40 local business leaders under the age of 40 for their career achievements and community involvement.

Kyle joined the Pensionmark team in , and currently serves as an Advisor Relations Manager. In this position, he focuses on supporting the network of advisors from their initial introduction to the Pensionmark and throughout their affiliation. Kyle is currently Life and Health Insurance licensed and also holds his Series 6 Securities registration.

Mark is a seasoned financial professional with over 16 years of diverse industry experience. He has a well-rounded background and understands perspectives from both the sales field force and back office operations. In his free time, Mark enjoys spending time with his family and dogs, fishing, reading, and researching investments. He purchased, operated, and sold a business.

He also taught classes at the Sam M. Walton College of Business, University of Arkansas. Based in Fayetteville, Mark is a series 65 registered investment advisor representative that focuses on individual wealth management and retirement plans. Mark likes to spend his free time with his wife, Heather, and their 5 children, Austin, Braden, Chad, Hadley, and Harper. Windy specializes in collaboratively working with her clients and her team to provide a high-touch service to ensure all client expectations are met and exceeded.

She brings over 30 years of experience working with affluent clients, businesses, and their advisors to creatively design and implement estate, philanthropic, retirement, and executive benefit plans. Alison earned her B. Desiree joined the Pensionmark team in March as an Operations Assistant where she assists in overseeing day-to-day plan operations by answering participant and plan sponsor account inquiries and requests, organizes Plan Due Diligence and Employee Education meetings, and works closely with Relationship Managers to ensure all other operational needs are met.

In her free time, Desiree enjoys spending time with her daughters. In this role, he focuses on supporting our team of advisors with projects as well as the education needs of their clients. His 10 years of experience in the Retirement Plan industry gives a wealth of knowledge in helping our advisors with questions or projects that come from their clients.

Jason previously worked at Aspire Financial Services as a Business Relationship Consultant for 2 years with over clients as well as serving on several committees for Aspire Financial Services. He graduated cum laude from USF. He has previously owned a gym and has been a head coach for both basketball and baseball.

Her primary focus will be all aspects of advisor onboarding including licensing and assisting offices with transitioning their books of business. In her free time, she enjoys spending time with her family including her two young daughters, as well as going to the beach and weekends at Disney World. Maren joined the Pensionmark team as an Investment Analyst in October of As part of the investment team, she assists with fund research, quarterly reporting and analyzing retirement plan fund line-ups.

Maren has worked as both an Investment Analyst and Client Service Director at prior firms since starting in the financial industry in Michelle joined PensionmarkMeridien in and has been the Corporate Controller since that time. With over twenty years of experience in Accounting and Business Management in varied industries ranging from banking to corporate retail to international seafood exporting and wholesaling, she oversees all financial operations for the firm.

Natalie currently serves as the Director of Operations for Pensionmark Insurance, responsible for operational aspects of the business as well as defining new strategies for growth in the insurance channel. Prior to joining Pensionmark in April , Natalie spent eight years at M Financial Group, a financial services organization focused on the unique needs of high net worth individuals and families. Raul is an experienced Financial Professional and an active member of the San Antonio community.

He is dedicated to helping individuals and families build financial futures. His combination of experience, professionalism and access to a wide variety of products and services helps his clients work towards meeting their financial and retirement goals. Raul is a graduate of The University of Texas at San Antonio — where he met his college sweetheart and wife of 17 years, Elizabeth. They have one son, Ezekiel. Together they enjoy video gaming, local festivals, live music and spending time with extended family throughout Texas and Mississippi.

Cade Johnson is a native of West-Central Texas and has lived in the Texas hill country for five years. Cade prides himself on being disciplined, hard-working and putting others first - all characteristics he attributes to playing sports throughout his collegiate career. His passion for helping others and appreciation of their hard work has led him to the financial services industry where he hopes to improve the quality of retirement for participants and clients alike.

In his spare time, Cade enjoys hunting, fishing, hiking and golf. Christina joined the Pensionmark team as an intern in January , and currently serves as a Senior Associate in Strategies Analysis. As part of the Strategies Analysis Team, she is responsible for prospecting Plan Sponsors in need of unbiased retirement plan consulting, fiduciary mitigation, and cost analysis. During her time there, she worked as a peer mentor for first-generation students in the undergraduate program within the Economics Department.

As part of the Strategies Analysis Team, he is responsible for prospecting Plan Sponsors in need of unbiased retirement plan consulting, fiduciary mitigation, and cost analysis. Pantoja joined the Pensionmark team in May of Working in the Operations Department at Pensionmark, Mr.

Pantoja brings an extensive expertise in the day-to-day client operations. His bilingual skills have proven to be of great value to the call center. Prior to Pensionsmark, he served as an Administrative Assistant at the Center for Autism and Related Disorders and previously as a Customer Associate at a financial institution.

Pantoja is currently pursuing his Series 7 registration. Hilario tries living a healthy lifestyle by regularly enjoying the great outdoors Santa Barbara has to offer and engaging in various physical activities. Additionally, he likes to dedicate his spare time to the arts, as well as spending quality time with friends. She excels in providing clientele exceptional personalized service and manages much of the day to day activities for various types of client accounts. Leslie currently holds her series 7 and 66 registrations.

While in attendance, Rafael was as a member of the nationally ranked Division I soccer team. Rafael joined Pensionmark in as an Investment Analyst. As part of the investment team, his roles include assisting with fund research as well as analyzing plan lineups.

Prior to Pensionmark, he served as Staff Accountant for a privately held company and previously as an Audit Accountant in the public sector. Rafael currently holds his series 7 and 66 registrations. As part of the Strategies Analysis Team, she is responsible for prospecting Plan Sponsors in need of unbiased retirement plan consulting, fiduciary mitigation, cost analysis, and investment advice.

Jack initially joined the Pensionmark team in April of , as an associate on the Lead Generation Team. In this position, he focuses on supporting the network of advisors from their initial introduction to Pensionmark and throughout their affiliation, as well as supporting clients and their participants. Jack currently holds his Series 65 registration. Financial Group. Press enter to begin your search. Executive Committee. Financial Advisors.

Centralized Support. Investment Analysts. Executive Benefits. Troy Hammond CEO. Troy Hammond. Inc, , , , , , The rank is according to percentage revenue growth when comparing 4 years prior to the awarding year, to the year prior. To qualify, companies must have been founded and generating revenue by March 31 of 4 years prior to the awarding year. They had to be U. February Selected by kWire poll and committee and based on internal editorial research including, but not limited to, statistics about advisors' practices, and input of k industry insiders.

Nominated by industry leaders and selected by kWire poll and committee. Based on input from advisors nominated and an analysis of criteria including statistics about advisors' practices gathered directly from advisors. Nominees were submitted by professionals through the retirement plan industry and were vetted and selected by the business publishing staff.

Nominated by industry professionals and selected based on a quantitative evaluation of service levels and feedback from plan sponsors for both team and individual advisor awards. Santa Barbara, CA. Michael Woods President. Michael Woods. Michael and his 3 children live in the Santa Barbara area. Based on new account acquisition for February, Jennifer Tanck, Esq. Executive Vice President. Tampa, FL. Laura Battle Executive Vice President. Laura Battle. Ronnie Cox. Taylor Stone.

Barry Toole. Bob Recchia Managing Director. Bob Recchia. San Diego, CA. Booker Moore Managing Principal. Booker Moore. Duncansville, PA. Brent Harless. Oklahoma City, OK. Bryan Wright Practice Leader. Bryan Wright. Denver, CO. Buck Blanton Managing Director. Buck Blanton. Jacksonville, FL. Chris Strother Senior Vice President. Chris Strother. Clark Frese. Harrisburg, PA. Dan Boardman Accredited Investment Fiduciary.

Dan Boardman. Boardman hbretire. Dan Byrne. Byrne pensionmark. Daniel Shapiro Principal. Daniel Shapiro. Miami, FL. David Camper Advisory Representative. David Camper. Roanoke, VA. David Vaughan. Huntington Beach, CA. Debbie Matustik Managing Director. Debbie Matustik. Matustik Pensionmark. Austin, TX. Edwin R. Boyer Regional Director — Senior Consultant. Pittsburgh, PA. Eric Ward Managing Director. Eric Ward. Louisville, KY. Erik Berry. Rogers, AR.

Fred Hamsayeh Investment Advisor Representative. Fred Hamsayeh. Interests In his spare time, he enjoys travel, hiking, spending time with his 3 daughters and giving back to Veterans Groups. FredH PensionMark. Las Vegas, NV. Gary Jurney Managing Principal. Gary Jurney. Jersey Village, TX. James Moyes. Lehi, UT. James Vanke Managing Director. James Vanke. Atlanta, GA. Jeffrey Seymour Managing Director.

Jeffrey Seymour. Jim Edmiaston. Jim Lyday Managing Director. Jim Lyday. Nashville, TN. Joe Stack Managing Director. Joe Stack. Dallas, TX. Kelly Majdan Managing Director. Kelly Majdan. Kevin Buckley Managing Director. Kevin Buckley.

Wexford, PA. Kristen Deevy Managing Director. Kristen Deevy. My Credentials I hold a B. Denver, Colorado. Mallory Van Leeuwen. Designations: CFP Mallory enjoys creating the space for her clients to dream big and clarify their ideal life. Ventura, CA. Mark Scalera Managing Partner, Benefitmark. Mark Scalera. New Providence, NJ.

Marte Werner Principal. Marte Werner. San Francisco, CA. Martin L. Kerns, II. For more information about Kerns Capital Management, visit www. Houston, TX. Mary M. Francisco Vice President. Melinda Thomas Managing Director. Melinda Thomas. San Luis Obispo, CA. Mero Capo Managing Director.

Mero Capo. Michael Morris. Michael Rom Managing Director. Michael Rom. Pleasanton, CA. Michele Lantz Advisory Representative. Michele Lantz. Michele currently resides in Palmdale, CA. Lancaster, CA. Noel Trias Managing Director. Noel Trias. Rick Wedge Managing Director. Rick Wedge. Robert Scherzer Managing Director. Robert Scherzer. New York, NY. Roger Rocha Managing Director. Roger Rocha. CA Ryan Gensicke. Scott Daniel. Little Rock, AR. Scott Ulves. Eagle, ID. Shannon Main Principal.

Shannon Main. Main fiduciaryret. Aliso Viejo, CA. Shaun King. King hbretire. Shelly Horwitz Managing Director. Shelly Horwitz. Sky F. Phoenix, AZ. Stuart H. Experience Stuart is experienced in many facets of the retirement planning process. SHerskowitz hhconsultants. Hartford, CT. Tom Hessler. Tom Ming Managing Director. Tom Ming. Bakersfield, CA. Tony Black. Twin Cities, MN. Tony Winkeljohn Managing Director. Tony Winkeljohn. Winkeljohn currently maintains Life and Health Insurance licenses.

Fort Wayne, IN. Tracie Karr Investment Advisor. Tracie Karr. Fayetteville, AR. Tuyen Pham Managing Director. Tuyen Pham. Pham Pensionmark. Santa Ana, CA. Vincent J. Providence, RI. Dean Salyer. Director of multiple scholarship fund raisers for Central Texas students. San Antonio, TX. Will Orr President. Will Orr. Business Building Services include: Vendor Relationship Management Plan Expense Transparency Employee Communication Will believes his relationship management experience is the catalyst for establishing strong long-term partnerships with his clients.

The Woodlands, TX. Casey Taylor Financial Advisor. Casey Taylor. Clay Kendall. David A. Radoccia Managing Director, PensionmarkMeridien. Dennis Griggs Managing Director. Dennis Griggs. Eric Hagebusch Managing Director. Eric Hagebusch. Jim Kolinos Principal. Jim Kolinos. Joe Ramon. Designations: CPFA As a veteran with eight years of service in the United States Army, joining as a Private and exiting as a Staff Sergeant, the discipline and leadership skills learned have helped pave the way for Joe's service mindset and passion for helping plan sponsors and participants pursue their retirement goals and retire with dignity.

Kathleen Branconier Principal. Kathleen Branconier. Branconier fiduciaryret. Marek Pfeil, CFA. Designations: CFA Marek is a financial advisor with Pensionmark Financial Group where he specializes in designing best in-class retirement plans for his clients. Matt Cooper Investment Advisor. Matt Cooper. Matt Voecks. Mikko J. Neil Moody Senior Analyst. Neil Moody. Designations: QKA Neil Moody has over 20 years of experience working in the retirement plan marketplace.

Peter Butler Director of Investments. Peter Butler. Rick Lorence Investment Advisor. Rick Lorence. Sergio Sardera. Stacy Heistand Financial Advisor. Stacy Heistand. Mechanicsburg, PA. Stephan Miskjian. This individual is not registered with Pensionmark Financial Group. Stephanie Reese Executive Account Manager. Stephanie Reese. Taylor Clark Relationship Manager. Taylor Clark. Clark Pensionmark. Veronica Taylor Senior Relationship Manager.

Veronica Taylor. Taylor is a registered administrative associate with Pensionmark Financial Group. Amanda Chan Director, Operations. Amanda Chan. Arthur J. Prior to joining the firm in , Art was with Merrill Lynch, Frank Russell Company and Advest where he held investment advisory and management positions.

AMeizner hhconsultants. Ben Westney. Bill Rice Director, Advisor Development. Bill Rice. Bille Lee Director, Banking Relations. Bille Lee.

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You can place a bet on the Patriots and get a much better line on them than those who bet on them before the game started. It also allows those who miss out on betting a game at the beginning to get in on the action. It should be pretty easy to find the live odds on your specific online sportsbook. Live odds are constantly changing throughout the course of a game. Since live odds bounce around a lot, you need to be able to determine if you want to bet a game at a certain point spread or money line on the fly.

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