Strategic Alliances
MICHAEL BINGER, CFA®
President of Gradient Investments, LLC
KEITH GANGL,
CFA®
Senior Portfolio Manager of Gradient Investments, LLC
TYLER ELLEGARD, CFA®
Senior Portfolio Manager of Gradient Investments, LLC
This endorsement of Gradient Investments, LLC, (GI) and its portfolio management services is provided by the firm. The firm refers clients to GI for portfolio management services. GI does not pay separate compensation to the firm in relation to its endorsement or any promotional services. However, the firm receives a portion of the advisory fees paid by clients who utilize the portfolio management services of GI. The firm also shares in the revenue of GI via quarterly payments based on the amount of total assets the firm places with GI. This endorsement incentivizes the firm in increasing the assets placed with GI, and therefore the compensation received by the firm. The firm and its investment advisor representatives are not supervised by GI. While these conflicts of interest exist, the firm and its investment advisor representatives are subject to fiduciary duty and must act in the best interests of their clients. The firm and their clients are not required to use GI and may select other investment managers.
ROB WELLENDORF
Founder, Execso
PHIL VOGEL, CLU, ChFC
Vogel Financial Services
With over 36 years of experience in the financial service industry, Phil Vogel has gained extensive knowledge and insight into the needs of both clients and advisors. After a lengthy stint in agency management, Phil founded Vogel Financial Services in 1997 in an effort to access a broader range of products and services and offer his clients a holistic approach to financial planning. During the last 20 years he has focused primarily in the areas of premium finance and complex case design.
Phil has served for 15 years as a consultant to top advisors and their clients across the country, using advanced premium financing concepts to accomplish business and estate planning goals. He has developed relationships with many of the industry’s most respected insurance carriers and financing companies and is regarded as a top-notch facilitator with the expertise required to see a case through to fruition.
Phil prides himself on his ability to navigate successfully through the very detailed and sometimes complicated territory of premium financing. He thoroughly enjoys fulfilling the role of consultant and relishes the opportunity to work with advisors and help them better service their clients while strengthening their practices. He describes his role today as the most rewarding period of his career.
LARRY LACKNER, CPA
Metzger, Mancini & Lackner, LLP
LARRY SANDERS
Founder, The Sanders Agency
Larry founded the Sanders Agency in 1984. His focus was always to provide clients with these benefits: guidance in choosing programs that fit their individual needs, quality companies to utilize, great service after the sale, and annual reviews to ensure their plan continues to serve them well. Larry served in many professional organizations and on the advisory boards of several insurance companies, as well as various charitable organizations. He now serves as a strategic alliance to our Golden Years team as he has moved into retirement.
*Golden Years Financial Advisors, Inc. is not affiliated with any of the Strategic Alliances recommended. The views and opinions expressed are those of the strategic alliances only and have not been presented on behalf of, or endorsed by Golden Years Financial Advisors, Inc.