My clients come to me to help build a strong and secure retirement plan. Working together, we can tackle various pieces of the planning by themselves on an hourly-service basis, as part of a quoted comprehensive planning fee, or as part of an annual asset management fee. Many clients work with me to help with general investment management and education, and for some clients, a greater understanding of Socially Responsible Investing. I also help provide guidance when planning for major life events that include career changes, real estate changes, inheritances, a growing family, changing estate planning needs and cash flow management. As just one example, for clients that are moving to a different home or looking to own rental property, it's important to assess the tax impacts and cash flow changes that will result from such moves. Other clients may want to look at the various choices associated with a pension plan, college funding goals, long-term care planning or any topic that pertains to your financial future. When pursuing comprehensive planning, the entire process starts with "life planning" that helps address your goals, values and concerns, and ideal path to the future, in both your working and retirement years. Only then can we effectively pursue traditional planning that ensures that your financial moves support your life goals, and not the other way around. My introduction to the financial services industry was surely eye-opening. After earning my MBA, I worked on Wall Street as an equities (stock) analyst, and also as Director of Research and Chief Compliance Officer. Along the way, I learned about the various ways that Wall Street works against the best interest of their clients with hidden fees, dubious self-serving strategies, clear conflicts of interest along with shoddy client service and attention. Working directly on your behalf as a true fiduciary, I enjoy the process of providing a clear education about your financial choices as I believe that knowledge equals empowerment. While I greatly enjoy helping my clients meet their goals, I am also very proud of a quarter century of financial journalism that has helped investors and consumers of all stripes. And I have learned much about consumer and investing through various career way stations such as Director of Research for Individual Investor magazine, Managing Editor at RealMoney.com and Chief Market Strategist for StreetAuthority, LLC. Lastly, to round out a meaningful life, I am very involved with my local non-profit community. I am the Board Treasurer of the Wallkill Valley Land Trust and the United Way of Ulster County. Yet my most rewarding efforts come in through volunteerism, working with groups such as the Restorative Justice and Community Empowerment Center of Ulster County and the Ulster Immigration Defense Network (UIDN). https://www.riaintel.com/article/b1mq1thj2kjq1h/us-stocks-had-a-knockout-decade-investors-should-now-look-overseas

Scott serves clients as a Portfolio Manager and Research Analyst. He leads the firm’s Investment Policy Committee. Prior to founding Vigilant, Scott was a Vice President and Portfolio Manager at Fleet Investment Advisors where he managed investment portfolios for high net worth individuals, non profit organizations and institutional clients. Scott holds the Chartered Financial Analyst® designation and is a member of the Boston Security Analysts Society and the CFA® Institute. He currently serves on the Dean’s Advisory Board of the Peter T. Paul College of Business & Economics at the University of New Hampshire. Scott earned a BS in Business Administration and Finance from the University of New Hampshire. Scott lives in Greenland, NH with his wife Terry, their son, Kyle, and daughter, Jinae.

Andrew is a co-manager of our Global Emerging Markets strategy. He is also a member of Martin Currie’s Executive Committee and Investment Executive committee. Andrew has had responsibility for researching stocks in the consumer and healthcare sectors since the formation of the Global Emerging Markets team in 2010. Prior to this, he worked in Martin Currie’s Asia and Global Emerging Markets team, as an investment manager for the Global Emerging Markets product with a research focus on EMEA markets. He joined Martin Currie in 2005 from the Scottish Investment Trust, where he was an investment manager for UK equities. Andrew is a CFA® Charterholder. He has a BSc (Hons) in Economics from the University of St Andrews.

Dr. Ricardo Adrogué is Head of Barings’ Global Sovereign Debt and Currencies Group. Ricardo is the lead portfolio manager for the Emerging Markets Local Debt strategy and Blended Total Return Debt strategy, and backup portfolio manager for the Emerging Markets Sovereign Hard Currency Debt strategy. Ricardo has worked in the industry since 1992 and his experience has encompassed portfolio management, economic strategy and academia. Prior to joining the firm in 2013, he was at Cabezon Investment Group, LLC as well as at Wellington Management Company where he built a successful track record for the Emerging Markets Local Debt program and managed over $11 billion. Before Wellington, Ricardo worked at the International Monetary Fund conducting inflation modeling work for central banks and was country desk for Brazil, Costa Rica, and Trinidad and Tobago. He also worked with Salomon Smith Barney/Citigroup as a vice president of markets and economic analysis, a senior economist and a strategist for Panama and Peru, and New York University as an adjunct professor of Latin American Economics. Ricardo holds a B.A. in Economics from the Universidad Católica Argentina, an M.A. in Economics and a Ph.D. from the University of California, Los Angeles.

Rita is responsible for research and portfolio development. She is a member of the Company’s Investment Committee, senior management team, and the Portfolio Management Group, which is responsible for research, strategy, and investment management of all client portfolios. Rita is a Principal of the firm, and also a financial advisor and key participant in the Company’s Women’s Financial Council—the Company’s team of women financial advisors. She co-hosts the Women’s Money Circle, a networking and support group for women who want to achieve understanding and mastery of their finances. Rita also directs the Company’s outreach to women who are rebuilding their financial lives following divorce or death of a spouse. Prior to joining Brouwer & Janachowski, Rita worked at Northern Trust Company in Chicago, where she oversaw a group specializing in strategic planning, budgeting, financial reporting, and administration for mutual funds. She began her career assisting portfolio managers with equity research and financial planning with WFA Asset Management in Milwaukee. Rita has a master’s degree in Financial Analysis & Investment Management from St. Mary’s College of California summa cum laude and a Bachelor’s degree in Finance and Accounting from University of Wisconsin magna cum laude. She holds the Certified Public Accountant license with the Personal Financial Specialist (PFS™) credential and the Chartered Global Management Accountant (CGMA®) designation. She also recently obtained her Certified Divorce Financial Analyst (CDFA®) designation. Rita is a member of the AICPA and CFA Society of San Francisco. Rita serves on the Board of Family & Child Empowerment Services San Francisco (FACES SF), benefiting parents and families in San Francisco, particularly those from under served communities.

Charlie Wilson is portfolio manager for Thornburg Investment Management. He joined the firm in 2012 as associate portfolio manager and was promoted to portfolio manager in 2014. Charlie earned a BS in geology from the University of Arizona in Tucson and a PhD in geophysics from the University of Colorado in Boulder. Prior to joining Thornburg, Charlie served as co-portfolio manager for Marsico Capital Management in Denver, Colorado. He was responsible for portfolio investments across multiple strategies and geographies, with specialization in materials, energy, technology, and payments sectors.

Philip Ehrmann is a senior managing director and senior portfolio manager for Manulife Investment Management. Philip started his career focusing on North American equities before moving to Invesco as a portfolio manager. It was there, having been appointed a global partner, that he changed focus, being appointed to lead the company’s emerging markets desk at the beginning of 1990. Subsequently, he moved to Gartmore to become head of global emerging markets, successfully rebuilding the team and turning around performance before adding the Pacific equity business to his responsibilities, as head of Pacific and Emerging Markets. He was most recently at Jupiter Asset Management as co-head of Asian equities and fund management director of the Jupiter China Fund.

As Pitcairn’s Managing Director of Investment Research, R.J. is responsible for managing all aspects of the investment manager research process and open architecture investment platform. With over two decades of industry experience and a twenty-year tenure at Pitcairn, R.J. has held a multitude of investment roles. Prior to Pitcairn’s move to open architecture in 2008, R.J. supported the firm’s proprietary investment program as an analyst, developing keen insight into investment management styles, portfolio analysis, and client service. In 2008, R.J. was a key member of the firm leadership responsible for the collaborative, multi-disciplinary build of Pitcairn's open architecture investment program, including a pioneering tax overlay program, a program he built and managed for its first five years and now provides oversight to. In 2011, he was named Director of Research and was named Managing Director in 2019 for his contributions to the firm. R.J’s research expertise is in equities and, under his leadership, Pitcairn domestic equity portfolios have significantly outperformed the market, since inception, while also tallying a double digit annualized total return over the first decade of the open architecture program. He also led the development of Pitcairn’s sustainable investment offering, which launched in 2016, and currently represents an area of significant growth for the firm. R.J. is a critical, hands-on resource for Pitcairn's ultra-high-net worth families, designing custom portfolio solutions and educating clients on wide ranging topics from investment management and market commentary, asset allocation, tax management, and manager selection. R.J. is a frequent speaker at industry conferences on an array of topics such as the use of alternative investments in high net worth portfolios, the use of sustainable investment solutions in family offices, and the state of the global equity market. In 2019 R.J., was the featured cover-story by industry publication Citywire, highlighting the value and importance of building strong relationships in the investment manager due diligence process. Most recently, R.J. was named to Institutional Investor's Advisory Board for its 2020 Washington Roundtable, helping to set the agenda of topics for the multi-day event and participating in the program content as a panelist. R.J. has a BBA from James Madison University, with a concentration in Finance. He is a member of the Investments and Wealth Institute and holds the designation of Certified Investment Management Analyst (CIMA). R.J. has completed the Chartered Alternative Investment Association’s Fundamentals of Alternative Investments certificate program, as well as California Institute of Technology's (CalTech) Innovation Through Education certificate program. Passionate about high-functioning teams in and out of the office, R.J. enjoys following baseball, basketball, and football and analyzing each sport’s finer points. He particularly enjoys those of his alma mater, James Madison, and those flying the banner for the City of Brotherly Love.

Joe Zappia oversees LVW’s global investment operations, guiding our wealth management team that is responsible for equity research, investment manager selection and portfolio construction. Joe serves as the lead portfolio manager of the LVW Rising Dividend Strategy. In addition to managing money, Joe is a thoughtful writer who blogs and podcasts on a wide range of investment topics. A number of his insights have been quoted in The Wall Street Journal, Barron’s, The Financial Times and Institutional Investor magazine. Before becoming a Principal at LVW, Joe served as Managing Director of Investments for Wells Fargo Advisors and its predecessor firms. He began at A. G. Edwards in 1987, after graduating from Le Moyne College in Syracuse, New York. Joe earned his Certified Investment Management Analyst® designation from the Wharton School of the University of Pennsylvania. Joe is passionate about physical and mental fitness and enjoys cooking, golfing and listening to great music. He and his family live in the Finger Lakes region of upstate New York.

Email Dan Kern Daniel S. Kern joined TFC Financial Management in 2015. As Chief Investment Officer, he is responsible for overseeing TFC’s investment process, research activities and portfolio strategy. He authors investment newsletters and white papers and meets with select clients to provide investment support. Dan chairs the firm’s Investment Committee.Prior to joining TFC, Dan was the President and Chief Investment Officer at Advisor Partners, a boutique asset manager in the San Francisco area that manages equities and asset allocation products for advisors, financial institutions and family offices. He was responsible for management of the firm including oversight of sales, client services and operations.Dan’s previous experience included a Managing Director/Portfolio Manager role at Charles Schwab Investment Management where he managed $3.5 billion of mutual fund assets as head of asset allocation. Prior to Charles Schwab, Dan held a Managing Director/Principal role at Montgomery Asset Management where he managed global and international equity portfolios. Before this he was a vice president at Wells Fargo Bank.A CFA charterholder, Dan is a member of the CFA Institute and is also a CERTIFIED FINANCIAL PLANNER™ practitioner. He is a Board member and Chair of the Investment Committee for the Cambridge Community Foundation, on the Board of Advisors for the Brandeis International Business School, an Independent Trustee for Green Century Funds, and on the Board of Directors of Wealthramp. Dan was a Board member and president of the CFA Society of San Francisco as well as Board member of the Bay Area Financial Education Foundation. He is a contributor to US News & World Report and ThinkAdvisor.com, a regular guest on Bloomberg’s Baystate Business and a frequent speaker at regional, national and international investment forums. Dan is a graduate of Brandeis University with a Bachelor of Arts in Economics degree. He also holds a Master of Business Administration degree from the University of California, Berkeley - Haas School of Business.