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Meet the Team

As a ProVise client you will benefit from your relationship with a team of highly trained, credentialed and experienced advisors who lead the development of a financial plan reflecting your goals, objectives, risk tolerance and time horizon.

We are proud of our professionals who have achieved either the CERTIFIED FINANCIAL PLANNER® (CFP®), Masters in Business Administration (MBA), Certified Public Accountant (CPA), Juris Doctorate (JD) and/or Accredited Investment Fiduciary®.

 V. Raymond Ferrara, CFP®

V. Raymond Ferrara, CFP®

Founder and Executive Chair

Eric R. Ebbert, CFP®, MBA

Eric R. Ebbert, CFP®, MBA

CEO, Principal

Jon Brethauer, CFP®, AIF®, CPFA, MBA

Jon Brethauer, CFP®, AIF®, CPFA, MBA

President, Principal

Shane O’Hara, CFP®, CPWA®

Shane O’Hara, CFP®, CPWA®

Principal, Executive Vice President, CCO

Susan Washburn, CFP®, JD

Susan Washburn, CFP®, JD

Principal, Senior Financial Planner

Sandy Risgaard, CFP®

Sandy Risgaard, CFP®

Senior Financial Planner

Russell J. Campbell, CFP®, CIMA®

Russell J. Campbell, CFP®, CIMA®

Senior Financial Planner

 Paul H. Auslander, CFP®

Paul H. Auslander, CFP®

Director of Financial Planning

Stephen J. Csenge, CFP®, AIF®

Stephen J. Csenge, CFP®, AIF®

Senior Financial Planner

Daniel Mannix, CFA®

Daniel Mannix, CFA®

Senior Portfolio Manager

Tom Harrington, CFP®, AIF®, CRPS®

Tom Harrington, CFP®, AIF®, CRPS®

Senior Retirement Plan Advisor

Peter Seriano, CFP®

Peter Seriano, CFP®

Financial Planner

Oscar Skjaerpe, CFP®

Oscar Skjaerpe, CFP®

Financial Planner

Holly Harman, CFP®

Holly Harman, CFP®

Financial Planner

Jonny Richmond, AIF®, CPFA®

Jonny Richmond, AIF®, CPFA®

Retirement Plan Advisor

Derek Kelly, CFP®

Derek Kelly, CFP®

Associate Financial Planner

Joshua Finegold

Joshua Finegold

Investment Analyst

The ProVise Planning Experience

A financial plan is a roadmap to your financial success. A ProVise financial planner will follow a process that includes the following steps to creating a customized strategy specific to your current financial situation, lifestyle, and future goals.

Planning
1. Understanding Your Personal and Financial Circumstances 2. Identifying and Selecting your goals 3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action 4. Developing the Financial Planning Recommendation(s) 5. Presenting the Financial Planning Recommendation(s) 6. Implementing the Financial Planning Recommendation(s) 7. Monitoring the Progress and Update

1. Understanding Your Personal and Financial Circumstances

Before we can help you reach your goals, we need to understand where you are. We perform a thorough analysis of your current financial situation and upcoming risks before creating a financial plan designed for your increased future success.

2. Identifying and Selecting your goals

Your future financial goals will dictate your current financial choices. We need to understand your goals and then help you prioritize those goals, so we can align your financial strategy with the lifestyle for which you are aiming. We help you balance your goals in a way that is designed to benefit your current lifestyle without neglecting your future financial goals

3. Analyzing Your Current Course of Action and Potential Alternative Courses of Action

It is important for us to first determine what you are currently doing and why. What is your approach to your finances and investments? There is no reason to seek alternatives if what you are doing is working. However, we can only do this in the context of looking at alternatives that may either fine tune what you are doing, or perhaps offer an alternative approach.

4. Developing the Financial Planning Recommendation(s)

Unlike others who just want to sell you something that may not be in your best interest, we do not consider recommendations until we have taken the first three steps of the financial planning process. You do not want a physician to create a treatment plan without a thorough analysis of your current condition and consideration of alternatives. The same is true with your financial health.

5. Presenting the Financial Planning Recommendation(s)

We will provide you with a set of written recommendations sharing our best ideas and thoughts regarding your personal financial situation. For those with a relatively uncomplicated financial life it might be done in a bullet point format, while for others it could be a much longer document. It might even be done with a modular plan focusing on the one aspect that is most concerning to you.

6. Implementing the Financial Planning Recommendation(s)

We help you put the financial planning strategy to work by putting together a checklist of action items for you and us that helps ensure that the plan is implemented in a timely fashion. There is nothing worse than knowing what needs to be done and then not doing it.

7. Monitoring the Progress and Update

Financial planning is not an event that happens one time. It is a continuous process. Life happens and things change. You will not go it alone. We will walk with you through every financial decision, roadblock, obstacle and opportunity to make sure you are staying on track toward your financial goals.

Schedule a Complimentary Consultation

Financial planning is not one big thing…it is hundreds of little things™. We will walk with you every step of the way through investments, debt payoffs and everything in between to help you reach the financial goals that matter most to you.

STRAIGHT FROM THE SOURCE

Read our market analysis reports to stay up to date on the raw numbers that impact your financial landscape.

Building a Stronger Retirement Plan for Your Employees

Building a Stronger Retirement Plan for Your Employees

Did you know that even a small percentage in fees can erode an employee’s retirement savings by hundreds of thousands over the course of their career? For employers, this means the fees attached to retirement plans aren’t just an afterthought—they’re a key factor in shaping the financial future of your workforce.

Preserving Wealth Through Lifetime Giving: A Strategic Approach

Preserving Wealth Through Lifetime Giving: A Strategic Approach

Estate planning is a crucial aspect of financial management, especially for individuals with substantial assets. With the ever-changing landscape of tax laws, one effective strategy for preserving wealth and minimizing the burden of federal estate taxes is lifetime giving. This approach not only allows individuals to transfer wealth to their loved ones during their lifetime but also offers significant tax benefits. As we approach the sunset of the Tax Cuts and Jobs Act in 2025, understanding and implementing lifetime gifting is especially important.