Board of Advisors

Mr. Raymond Ambrosino, MSFS, CFP^®, CSA^®
President
Garden State Securities, Inc.

Ray is one of four owners of Garden State Securities, Inc., Member FINRA/SIPC, a respected regional boutique now with various offices nationwide. In addition to his designations listed above, Ray is a Investment Advisory Representative and is a licensed Life and Health Insurance Agent. He has helped top executives, high net worth and sophisticated clientele identify and solve unique financial situations and is well versed in estate planning and retirement services as part of his regular practice.

Ray is a stalwart of continuing financial education as evidenced by his relationship with the Institute Of Business and Finance and his membership in the Financial Planning Association. Therefore, he is a often a guest lecturer to many professional associations and corporate groups in his various areas of expertise. He is also a strong proponent of networking having been an active participant in such noted groups as Business Networking International and The Western Monmouth Chamber of Commerce. Ray is a devoted family man who makes his home in Monmouth County, NJ with his wife and two children

 

Mr. Richard Chrzanowski, MSFS, CFS^®, CES™, RFC, CAS^®
Regional Director
Money Concepts Capital Corp.

Richard has been a trainer and consultant to financial organizations and insurance companies for over 25 years. He specializes in estate planning and wealth management for financial institutions and private clients.

Mr. Chrzanowski is a Regional Director for Money Concepts International Inc. member FINRA/SIPC and a member of their Professionals Club, Century Club and Millionaires Club. He has been in the financial services industry for over 25 years. Richard is a member of the International Association of Registered Financial Consultants (IARFC) and a registered speaker with the National Association of State Boards of Accountancy (NASBA).

 

Mr. Alan Cormier, MSFS, MS, BS, CFS^®, CAS^®, CES™, CIS™, CPRS
Education Consultant
ING Financial Advisers, LLC

Alan has been with Aetna/ING for the past 18 years. His positions have included: 401(K) participant enroller, Business Analyst, Individual Annuity Manager and Educational Consultant. Cormier normally leads and delivers the training for new products and systems to ING home office employees and their field hubs.

Alan is actively involved in the community from duties and assignments from the United Way, Board of Directors of the Red Cross, Big Brother and Big Sister, ING’s Community Partners and most currently Boston’s Dana Farber Cancer Institute and the Jimmy Fund. Currently, he his teaching mutual fund classes to more than 300 ING employees and is developing a three-part Estate Planning module. He also is in charge of Professional Designations at ING.

 

Mr. Steve Gerbino, MBA, MSFS, CFS^®, CTS™, CES™
Gerbino Financial Group
Genworth Financial Securities Corporation

Steve works as a financial consultant and tax preparer for Gerbino Financial Group. In the past, he worked as a business consultant where he specialized in preparing business plans for pre-venture and existing small business owners and entrepreneurs. He has a Master of Business Administration degree from Kutztown University and a Master of Science in Financial Services from The Institute of Business and Finance.

Steve has also been a college professor and currently teaches at Northampton Community College. The courses he has taught include Investment Portfolio Management, Principles of Finance and Macroeconomics. Steve has served on the IBF Board of Advisors since December of 2007 and is a member of the National Society of Tax Professionals.

 

Mr. Anthony Glaza, MSFS, MA, BS, CFS^®, CAS^®, CES™, CIS™
President
Glaza Tax Advisory Group, Inc.

Anthony is president of Glaza Tax Advisory Group, Inc. in Traverse City, MI. He holds a Master's of Science Degree from The Institute of Business and Finance, a Master's Degree in Business Management from Central Michigan University, and a Bachelor's in Finance from Marquette University. Glaza has been a Registered Representative since 1992 and holds various securities and insurance licenses.

Anthony has taught university classes as adjunct faculty in finance and mathematics. He is involved with a number of community organizations.

 

Mr. Willard E. Gombert, CLU^®, CFS^®, MBA, MSFS, ChFC^®
President
ING Financial Partners, Inc.

Bill is president of The Financial Architects, Inc. in Rock Island, IL. He holds a Bachelors degree from Augustana College, a Masters Degree in Business Administration from the University of Pittsburgh, and received his CFC and CLU from the American College. He also earned his MSFS (Masters of Science in Financial Services) from the Institute of Business & Finance, as well as other designations. Bill has presented at ING’s 2009 Premier Education Forum and other industry functions. He is active in his community and on a number of charitable boards.

The Financial Architects Inc. specializes in working with public company’s senior executives and business owners ensuring they enhance and protect their family’s wealth.

 

Mr. Nicholas Ignatowski, CFP^®, CFS^®, CRPS
Managing Member
Ameritas Investment Corp

Nick is a managing member of The Planners Group, LLC with locations in Wisconsin and Illinois. Prior to founding The Planners Group, Ignatowski was the sales manager for a national life insurance company with a focus on qualified retirement plans. He holds various securities and insurance licenses.

Nick provides ongoing education and training regarding qualified plans to attorneys, CPA and investment professionals nationally. He has been a presenter at the American Society of Pension Professionals and Actuaries. Mr. Ignatowski is also a MDRT, Grandmaster, 1867 Society, Leaders Court and Inner Circle qualifier.

 

Mr. Hadley Joseph, MSFS
Smith Barney, Inc.
Citigroup Global Markets, Inc.

Hadley is currently a mutual fund product analyst at Morgan Stanley Smith Barney; Hadley is responsible for covering over 50 mutual fund complexes covering contrastive investment disciplines (equity, fixed income, real estate, arbitrage; and various other funds which are concentrated within specific segments of the market).

Hadley began his financial services career in 2000 as a financial advisor with American Express. He has a BS and MSFS. Hadley also served 8 years in the U.S. Army.

Mr. Robert Simpson, JD, MBA, CFS^®, CLU^®, ChFC^®, RHU, REBC
Attorney
Simpson Law

Robert is the principal of the Law Office of Robert E. Simpson, LLC. In the past he was a District Manager for AXA/Equitable, a Sales Manager for Penn Mutual, and held home office positions with Connecticut Mutual, Aetna Financial Services and ING.
He holds a Bachelors in Engineering [Nuclear Engineering and Design] from the University of Texas at Austin.

Bob has taught various college business classes as an adjunct professor at several colleges. He is a member of the American, Connecticut and New London County Bar Association, serves as a Special Master at the Norwich Superior Court and is involved with the Early Intervention Program. Bob is active in his community having served as an elected member of his town's Board of Education and as an appointed member of the town's Economic Development Commission.

 

Mr. Randy Watson, CLU, CES™
President
Secure Financial, Inc.

Joseph is president of Secure Financial, Inc. in Pleasanton, CA. His practice focuses on the preservation and distribution of assets through various estate planning and asset positioning techniques, and he is a frequent speaker on these topics. He also has extensive knowledge in the development, distribution, and management of education tracking software through data warehousing methodology. Joseph holds various securities and insurance licenses.

Joseph enjoys spending time with his family, and volunteering on short term missions projects with his church.

 

Mr. Thomas Welsh, MSFS, CFS^®, CES™, CTS™, CIS™
Branch Manager
Raymond James Financial Services, Inc.

Tom has been a producing Branch Manager with Raymond James Financial Services in Ellicott City, MD since 1989. He began his investment career as a registered representative with PaineWebber in 1984. His career includes experience in a variety of Management Positions at Procter and Gamble, Pepsico, and American Hospital Supply prior to entering the financial services field.
Welsh earned his BS in Economics in 1974 from the Wharton School of the University of Pennsylvania and his MSFS from IBF in 2008. He has served as an executive or director in community groups such as Chamber of Commerce, School Advisory Board, Rotary Club, Country Club and Youth Sports over the past twenty years.

 

Mr. Tim Wilkinson, CFS^®, CMFC
VP Sales Learning & Development
ING Funds Distributor, LLC

Tim is Vice President for ING Funds and head of Sales Learning & Development, responsible for the national sales force education on open-end, closed-end and off-shore mutual funds as well as separately managed accounts. Wilkinson has been managing training at ING since 2002.

Prior to joining ING he worked with Charles Schwab for 5 years and started as a financial advisor with Prudential Securities in 1994. Over the last 14 years, Tim has been in an advisor role, in both management and training. He holds various securities and insurance licenses.

 

Mr. David Witz, AIF
Managing Director
Fiduciary Risk Assessment

Mr. Witz is Managing Director of Fiduciary Risk Assessment and PlanTools. He is responsible for product and business development and serves as an expert witness in fiduciary matters. He began his career in 1981 with Principal Financial Group. He has a BS in Economics, Insurance and Real Estate from Penn State University.