With over 30 years of experience in financial services, John Sanchez offers a rare combination of tax expertise, investment insight, and a heartfelt commitment to protecting his clients’ wealth. More than just an advisor, John serves as a trusted partner to individuals and families who want clarity, confidence, and control over their financial future. After starting his career as a Tax Examiner for the IRS and Controller at Coca-Cola, John found his true calling in financial advising. His time with UBS and Morgan Stanley as a stockbroker and investment manager shaped his comprehensive, client-centered approach—one that focuses on delivering strategies tailored to each client’s unique goals and values. His mission is simple: to help clients build, preserve, and pass on their wealth through thoughtful, tax-efficient strategies—always grounded in trust, integrity, and respect for the legacy they’ve worked so hard to create.

Since 2010, I’ve thought of myself as a financial coach. My hope is to help you change the way you think about money, moving away from accumulation and into the distribution and preservation phase. I want you to never think, “Where’s the money coming from?” when something happens in your retirement. We try to help out clients in 3 ways:

1. Change the way you think about money and become comfortable using your savings for income needs.
2. Review the risk you are taking and ensure it aligns with your current goals.
3. Create an open line of communication so that if you have a question about your finances, you think, “I should call Jeff.”

Our Retirement Compensation Plan is similar to how the Mississippi River went from a small stream you could walk across to the mighty river you need a bridge to cross. Several tributaries or streams feed into it as it works its way from northern Minnesota to the Gulf Shore. The same concept should be applied to your retirement income. We need to establish several income streams to develop your retirement plan. Once we do that, you get to have fun with the rest of your money to create a retirement picture that excites you. And isn’t that ultimately the goal of being retired?

For over 30 years, Joseph E. Roseman, Jr. “Joe” has helped hardworking Americans grow wealth through innovative financial strategies and to retire without sacrificing their current lifestyle. Joe believes that every client has unique sets of circumstances, experiences, and assets. To be a true fiduciary advisor and mentor to his clients, he educates and assists them in developing income and retirement plans that are specific to their needs. Joe is so invested in the process that he took time in 2023 to author a book on the subject. Out of that conviction came his latest book The StayRetired™ Model: How to Retire, StayRetired™ and Never Be Forced to Go Back to Work. The book explores the ten StayRetired™ steps. The model begins with establishing a spending plan, creating guaranteed paychecks in retirement while creating a legacy for the next generation, and is buttoned up with the proper legal documents. Joe believes having a customized and personalized plan allows his clients to have a roadmap for the specific type of retirement best suited for them and their lifestyle so they can actually retire and StayRetired™. Joe hosts Social Security optimization, long-term care planning, tax planning, estate planning, and other retirement-income-specific educational workshops at local libraries, colleges, and restaurants. Joe also has created online webinars so that the education can be received in the comfort of the home. Joe has completed the course of study to earn the CRPC (Chartered Retirement Planning Consultant) designation. He has extensive knowledge of Federal Retirement Benefits and holds the ChFEBC (Chartered Federal Employee Benefits Consultant) designation. In addition, Joe has earned and holds an NSSA (National Social Security Advisor) designation for his work in helping clients maximize their Social Security benefits, which exhibits his expert knowledge in Social Security planning. Joe has appeared on the local CBS affiliate, WBTV Channel 3, on their weekend morning news show and the evening news show “On Your Side Tonight with Jamie Boll.” He has written articles for and been published in Time Magazine, US News and World Report, The Street, Investopedia, and Credit.com. Joe and his wife, Debbie, live in Charlotte and have been happily married for over 35 years. They have a 29-year-old son and a daughter with two grandchildren in California. Joe contributes and volunteers at the Charlotte Rescue Mission. He and Debbie attend First Baptist Church Indian Trail.

Christopher Hajjar is a distinguished Retirement Professional and the CEO of Seniors Financial Solutions, a firm dedicated to helping retirees and pre-retirees achieve lasting financial security. Since becoming licensed in 2008, Christopher has spent nearly two decades guiding individuals and families through the critical decisions that define a confident and comfortable retirement. His areas of specialization include Medicare planning, long-term care strategies, Social Security optimization, and safe money solutions—tools that are essential in protecting assets and maximizing income throughout retirement. As a Registered Social Security Analyst (RSSA), Financial Security Navigator (FSN), and American Medicare Disability Activist (AMDA), Christopher brings a unique, credentialed perspective to every client relationship. Known for his compassionate, education-first approach, Christopher takes the time to understand each client’s needs, goals, and concerns. His commitment is to simplify complex decisions and provide a clear, personalized roadmap to retirement success. Raised in a large family as the youngest of nine, Christopher is grounded in the values of service, integrity, and care. He resides in Commerce Township, Michigan, attended Brother Rice High School, and studied at the University of Michigan. Outside of his professional life, he is a proud father of two and remains deeply committed to helping individuals retire with dignity, peace of mind, and a strong sense of financial independence.

Carl is a licensed, independent financial professional, member of the National Ethics Association, National Association of Insurance and Financial Advisors, Certified in Social Security Claiming Strategies, Certified in Long Term Care Planning, and a U.S. Marine Corps Veteran. We offer our clients many different financial services, Retirement Strategies, Tax Efficient Income Strategies, Social Security Income Optimization & Medicare Plan assessments, Extended Health Care/Long Term Care and Asset Care Strategies.

Doug Sample is a successful Financial Advisor with 27 years of experience in the States. of Texas and Florida. Doug has a passion for helping individuals and families create the best plan of action to maximize income during retirement. Doug works to grow and manage his clients’ assets in a way that is protected from market fluctuations, instilling comfort and confidence in his clients. He is also passionate about helping clients in situations dealing with Social Security, Medicare, and Insurance. Doug and his wife, Karri, have three children—Addie, John, and Jack—all of whom are students at Florida College in Temple Terrace, Florida. Doug and Karri have been married for 22 years, after starting their life together in Austin, Texas, with a recent move to Tampa, Florida. Doug and his family work diligently with their church family, and seek to put Christ in the center of all they do. John, Doug’s oldest son, has recently joined the team working with clients to better their retirement needs. John is a student at Florida College studying Nursing and has earned his 2-15 Insurance License from the State of Florida.

Johanna Stock has been involved in different businesses ownerships, franchise ownerships, consulting, and investments, throughout the years. Within the last 15 years, Johanna became a serial entrepreneur, and a highly sought after public speaker. Years ago, she transitioned full-time into the financial industry, where she immediately became passionate about educating people in finance, and empowering others to learn how to take control of their own lives. She is currently licensed in multiple states, and works with clientele around the country. Eight years ago Johanna was chosen as one of 36 different entrepreneurs from around the world to participate in an Anthology to share her personal story. The book titled, “Courageous World Catalysts”, became an #1 International Amazon best seller overnight in the US, Canada, Australia, and multiple European countries. Johanna has four beautiful children, and is currently a mentor, leader, Licensed retirement incomeadvisor and insurance strategist, Certified National Social Security Advisor, Owner and Founder of an independent, nationwide financial firm. She is driven by teaching others how to succeed. In her free time, Johanna loves to travel, volunteer, keep herself fit through martial arts and strength training, and of course, spend time with her family and friends; knowing the importance of balancing home life, as well as a business woman. Today, Johanna teaches clients and organizations across the U.S. the importance of money and self-development, and programs to help achieve financial independence and overall happiness.

Josh founded the Aptus group of companies in 2003; now consisting of an entity consulting to financial planners and one that focuses specifically individual wealth management. He has spent over two decades in the financial services profession helping individuals and couples in or nearing retirement better understand and prepare for the challenges associated with the ever-changing financial landscape. He has a proven track record of helping clients successfully align assets with objectives to leverage and manage investment portfolios that will weather market fluctuations. A well-known speaker and a member of the Million Dollar Round Table's highest honor: Top of the Table, He frequently hosts public educational workshops in the community on a variety of financial and retirement topics. Josh is frequently requested to speak nationally to groups of financial professionals and various universities in the areas of retirement planning, social security, and tax efficient income distribution. You can also always hear him during his weekly radio appearances as a subject matter expert on Columbus’s own 98.9FM The Answer.

When not running his companies, he enjoys Brazilian jiujitsu, cooking and the outdoors. Josh lives in Delaware, Ohio with his wife Kylene and three sons, Owen, Isaac, and Wyland.