Strategic Alliances
MICHAEL BINGER, CFA®
President of Gradient Investments, LLC
JEREMY BRYAN,
CFA®
Portfolio Manager of Gradient Investments, LLC
KEITH GANGL,
CFA®
Portfolio Manager of Gradient Investments, LLC
TYLER ELLEGARD, CFA®
Portfolio Manager of Gradient Investments, LLC
This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.
ROB WELLENDORF
Founder, Execso
BRIAN CLARK
Attorney, Sanders Pianowski, LLC
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.