Steve Charlton is a man of faith, honor, and integrity. Whether at the gym, on the trails with his wife or in the bleachers watching his boys play baseball, Steve brings that same high level of care and passion to the conversation of Wealth & Distribution, and more importantly how the tax code can work for us and not against us. As a Certified Financial Fiduciary®, Steve serves as a Wealth Preservation & Distribution Specialist and takes that title seriously. He was fortunate to begin his career in the financial industry serving as a bond-broker, working with CFO’s of banks & credit unions. This allowed him to experience and learn the institutional side of the markets, which provides tremendous wisdom to be shared into the consumer market. In 2005, Steve decided to launch his own firm and has now helped nearly 2000 families spread across the nation who have entrusted him with their financial wellbeing. Steve’s client base is diverse in both their professional backgrounds & financial needs. Steve has been actively serving his clients for nearly 20 years and proudly owns a record free of any consumer complaints. This is a direct result of the core values at Wisdom Financial. “As fiduciaries, it is our job to to what is in the best interests of our client, as Certified Financial Fiduciaries®, our job is to foster a relationship of trust, morally, ethically, and legally. The client should demand that level of the duty of good faith, duty of care, and duty of loyalty. This is what drives us, so that our client’s best interests always come first. We then take it to the next level and employ full transparency for both our clients and the multitudes of financial institutions that we work with. Our clients become our family and we could not be more grateful to serve and protect them.” “We look forward to inviting you to experience how our team can help you successfully navigate the years leading up to and through the complete duration of your retirement lifecycle. Our team will equip you with a personal, thorough & exclusive plan that is actively managed to ensure you continue to prosper throughout your retirement years, regardless of what goes on in the markets, economy, government, or health. We call it the ‘Peace of Mind Factor'”

Ed Harris is a Wealth Management Advisor with Bison Wealth - Detroit, as well as the driving force behind Apogee Wealth Academy, a 501(c)(3) organization dedicated to helping individuals and families build brighter financial futures through education. With a passion for making financial concepts accessible, Ed empowers people to take control of their financial well-being, guiding them toward confidence and security in their financial decisions. Ed’s journey of service began at the young age of 15 when he entered the ministry, instilling in him a deep sense of purpose and a desire to uplift others. This early experience shaped his values and commitment to helping those around him, a theme that resonates throughout his professional life. With over 20 years of experience in the financial sector, he combines professional expertise with a genuine commitment to serving his clients. Through Apogee Wealth Management, Ed helps clients navigate complex financial landscapes, ensuring they have the knowledge and strategies needed to achieve their long-term goals. His holistic approach to wealth management focuses not only on investment strategies but also on the emotional and psychological aspects of financial decision-making. Ed understands that financial health is intertwined with personal values and life goals. By taking the time to listen to his clients and understand their unique situations and aspirations, he tailors his advice to meet their specific needs, fostering a sense of trust and partnership. Alongside his wife, Melissa, Ed raises their five children with values rooted in health, fitness, and personal growth. Family is at the core of his life, and he believes in leading by example. Whether cheering on their kids at football, track, basketball, or gymnastics events or fostering meaningful connections through his work, Ed brings warmth, care, and encouragement to everything he does.

David Fields is the founder and Managing Partner of Pacific Tides Wealth Management in Knoxville, Tennessee. For over 30 years, David has helped his clients plan for their retirement, minimize their taxes, manage their investments as well as help them with estate planning. Prior to founding Pacific Tides, David worked for Morgan Stanley, Merrill Lynch and Smith Barney. David is a Certified Financial Planner® who earned a Master of Business Administration (MBA) degree from Cornell University and a Bachelor of Arts degree from the State University of NY at BuPalo. He served for 8 years in the US Army as an Armor OPicer. David and his wife have 3 grown children and reside in Knoxville, Tennessee. Away from work, he enjoys golfing, hiking and attending Tennessee Volunteer football, basketball and baseball games.

Zach Williams is a wealth and retirement advisor who works with retirees and pre-retirees to create straightforward plans that bring direction and certainty to their financial lives. He takes what can feel like overwhelming, complex decisions and translates them into simple, actionable strategies that provide stability and security. Drawing on experience across hundreds of client accounts, Zach builds and executes retirement plans designed not only to protect wealth but also to create reliable income and lasting confidence.   Known for combining technical expertise with a personal, empathetic approach, Zach is dedicated to long-term relationships and helping clients feel assured about every stage of retirement. His approach focuses on protecting wealth, generating sustainable income, and ensuring financial security that can be relied on throughout retirement.   Zach lives in Atlanta with his wife, Maddy, and their young son. Outside of work, he enjoys golf, pickleball, exploring new cities, and cheering on the Braves.

Kyle Williams is a wealth and retirement advisor who has built his career on helping people navigate complex decisions with clarity and confidence. He has served as a director for a leading educational services company, where he oversaw product planning and delivered results recognized with national awards. His background set the foundation for his work in financial advising, where he focuses on building retirement plans that provide stability, income, and peace of mind. Kyle brings a combination of practical financial strategies and a thoughtful, relationship-focused approach. He works closely with each client to design retirement plans that not only protect and grow wealth, but also provide steady income and lasting confidence. By translating complex decisions into clear, straightforward strategies, Kyle ensures his clients feel supported and secure through every stage of retirement. Kyle lives in Atlanta with his wife Caroline and 2-year-old son. Outside of work, he enjoys golf, travel, cheering on UGA, and spending time with family and friends.  

Jim brings over 30 years of experience in the financial industry, backed by a strong foundation in finance and economics from Widener University. As a Certified Financial Planner™ and Investment Advisor Representative, he takes a personalized approach to helping clients grow their wealth, protect their assets, and create reliable income in retirement. Jim is passionate about educating clients on smart strategies that minimize risk while maximizing long-term financial confidence. In his free time, Jim enjoys time spent with his son traveling for hockey, relaxing at the beach, and being with friends and family. Securities and investment advisory services offered through Osiac Wealth, Inc. member of FINRA/SIPC. Osaic Wealth is separately owned and other Entities and/or marketing names, products, or services reference here are independent of Osaic Wealth.”

For over three decades – a remarkable 35 years and counting – Steve Lundquist, Branch Manager, has been a steadfast presence in the financial industry, dedicating his career to the well-being and security of his clients. Based in Springville, UT, Steve brings a depth of knowledge and a level of trust that only comes from extensive experience. He doesn't just manage finances; he builds lasting relationships, understanding that each client's journey and aspirations are unique.

Steve's commitment to providing comprehensive and trustworthy guidance is underscored by the robust set of licenses he holds: the Series 6, 7, 24, and 63 securities registrations, along with Life and Health Insurance licenses. These credentials are not just letters and numbers; they represent a commitment to rigorous standards and a broad understanding of the financial landscape.

• The Series 6 and 7 licenses empower Steve to recommend and transact a wide array of investment products, ensuring clients have access to the tools necessary to pursue their financial goals.
• Holding the Series 24 license signifies Steve's qualifications to supervise other financial professionals, demonstrating leadership and a deep understanding of regulatory compliance – providing an added layer of protection and expertise for his clients.
• The Series 63 license allows him to provide securities advice and services across state lines, broadening his ability to serve clients wherever they may be.
• His Life and Health Insurance licenses are crucial in helping clients safeguard their financial futures against unforeseen circumstances, ensuring they have protection for themselves and their loved ones.

For Steve, it has always been, and continues to be, "client first." He understands the profound importance of ensuring his clients don't outlive their income, and he pours his experience into crafting personalized strategies designed to provide lasting financial security. He takes the time to truly listen, to understand their dreams and concerns, and to build a plan that aligns with their individual needs and risk tolerance. It's this personal connection, combined with his extensive experience and comprehensive licensing, that allows Steve to be more than just a financial advisor – he becomes a trusted partner on their journey to a secure and fulfilling retirement.

I was born in Baltimore, MD and was raised in Harford County. I received a bachelor's degree from the University of Maryland, double majoring in Finance and International Business, and obtained a Masters in Business Administration from Loyola University in Maryland. I began my professional career at Morgan Stanley where over the course of eight years I progressed to the role of Director in Global Settlement Operations gaining experience in a variety of middle and back office trade support and settlement functions. Prior to joining SFATAI in 2021, I was a project manager for 10 years at Booz Allen Hamilton, overseeing all phases of projects while also leading new business capture efforts. I hold a FINRA Series 65 securities registration as a Registered Representative and Investment Adviser Representative, and am a licensed Life and Health Insurance professional through the Maryland Insurance Administration. In May of 2023 I completed my Accredited Asset Management Specialist (AAMS) designation from the College for Financial Planning. The AAMS program focuses on asset management and investments as well as new investment opportunities and recognizing insurance, tax, retirement, and estate issues. In January 2024 I completed my Accredited Portfolio Management Advisor (APMA) designation from the College for Financial Planning. The APMA program provides hand-on practice and education in analyzing investment policy statements, creating portfolios, making asset allocation decisions, and maintaining portfolios. I'm an avid runner and have completed over 40 marathons and half-marathons to date. I live in Harford County with my wife Jennifer, a project manager in Administration at Kennedy Krieger Institute, and two daughters who both attend Youth's Benefit Elementary School. The girls' best friend is their dog Leia, a lab mix. We enjoy all sorts of activities together as a family, including soccer, lacrosse, and trips to the beach.

Silvestri Financial & Tax Advisors, Inc. is a Registered Investment Advisor. Third party asset management services are offered through AssetMark, Inc. Silvestri Financial and AssetMark are not affiliated. Insurance products are sold by individually licensed agents.

I was born in Baltimore, MD and am a graduate of Loyola University, MD. I'm a Registered Investment Advisor, FINRA Series 66 Investment Advisor Representative and CPA with extensive experience in individual financial retirement planning and individual tax preparation and planning. In addition to being a licensed CPA, I'm also a licensed Life and Health Insurance professional and am long standing member of the American Institute of CPAs. My wife, Cindy, and I are the proud parents of 3 adult children and we are blessed with 5 grandchildren.  Cindy and I have lived in Harford County for over 40 years and have been active in a variety of service organizations such as the Boy Scouts of America, youth rec sports teams, and our Church community. I am also an active member of the St Ignatius (Hickory) Knights of Columbus Council. When not spending time with our family, Cindy and I like to travel and enjoy extended weekends at our home away from home in Ocean City, MD.

Silvestri Financial & Tax Advisors, Inc. is a Registered Investment Advisor. Third party asset management services are offered through AssetMark, Inc. Silvestri Financial and AssetMark are not affiliated. Insurance products are sold by individually licensed agents.