Center News

Timothy Wyman, CFP®, JD Named to 2018 Financial Times 400 Top Financial Advisors

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Timothy Wyman, CFP®, JD has been named to the 2018 edition of the Financial Times 400 Top Financial Advisers. The list recognizes top financial advisers at national, independent, regional and bank broker-dealers from across the U.S.

Six criteria considered include: assets under management (AUM); AUM growth rate; experience; advanced industry credentials; online accessibility; and compliance records. There are no fees or other considerations required of advisers who apply for the FT 400.


The FT 400 was developed in collaboration with Ignites Research, a subsidiary of the FT that provides specialized content on asset management. To qualify for the list, advisers had to have 10 years of experience and at least $300 million in assets under management (AUM) and no more than 60% of the AUM with institutional clients. The FT reaches out to some of the largest brokerages in the U.S. and asks them to provide a list of advisors who meet the minimum criteria outlined above. These advisors are then invited to apply for the ranking. Only advisors who submit an online application can be considered for the ranking. In 2018, roughly 880 applications were received and 400 were selected to the final list (45.5%). The 400 qualified advisers were then scored on six attributes: AUM, AUM growth rate, compliance record, years of experience, industry certifications, and online accessibility. AUM is the top factor, accounting for roughly 60-70 percent of the applicant's score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state that's roughly correlated to the distribution of millionaires across the U.S. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of advisor's future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. The FT is not affiliated with Raymond James.

Center for Financial Planning, Inc® Named a 2018 Best Places to Work for Financial Advisers by InvestmentNews

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The Center has been recognized as a 2018 Best Places to Work for Financial Advisers as announced by InvestmentNews* today. The Center was chosen as one of this year’s top-50 based on employer and employee surveys delving into everything from company culture, benefits, career paths and more.

InvestmentNews partnered with Best Companies Group, an independent research firm specializing in identifying great places to work, to compile the inaugural survey and recognition program. The list is a first of its kind for the financial advice industry.


*Source: InvestmentNews “2018 Top 50 Best Places to Work for Financial Advisers”, March 2018. The Best Places to Work for Financial Advisers program is a national program managed by Best Companies Group. The survey and recognition program are dedicated to identifying and recognizing the best employers in the financial advice/wealth management industry. The final list is based on the following criteria: must be a registered investment adviser (RIA), affiliated with an independent broker-dealer (IBD), or a hybrid doing business through an RIA and must be in business for a minimum of one year and must have a minimum of 15 full-time/part-time employees. The assessment process is compiled in a two part process based on the findings of the employer benefits & policies questionnaire and the employee engagement & satisfaction survey. The results are analyzed and categorized according to 9 Core Focus Areas: Leadership and Planning, Corporate Culture and Communications, Role Satisfaction, Work Environment, Relationship with Supervisor, Training, Development and Resources, Pay and Benefits and Overall Engagement. Best Companies Group will survey up to 400 randomly selected employees in a company depending on company size. The two data sets are combined and analyzed to determine the rankings. The award is not representative of any one client's experience, is not an endorsement, and is not indicative of advisor's future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award. InvestmentNews and/or Best Companies Group is not affiliated with Raymond James.

International Women’s Day Celebration with The Center

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On behalf of The Center team we want to thank everyone who participated in our First Annual International Women’s Day event!  The energy in the room of 200+ women on March 8th was an inspiration sure to carry on throughout the year.  Celebrating women’s success and making a difference in other women’s lives carries a message of community and mutual support; a WIN-WIN with staying power.

Our keynote presentation by Laura Vanderkam was a gift of wisdom and practical application as she helped us understand how to focus on aligning our time with priorities.  Before, during and after the presentation it’s no surprise that networking conversations were abundant from start to finish.  A truly remarkable exclamation point on the morning was the generous spirit in which financial donations were made for Haven’s Spark program. 

DONATION RESULTS

An amazing result for Haven’s Spark program:

$5,295 (so far!)

RESOURCE DIRECTORY

Networking connections are an essential ingredient to success.  If you have not already reached out to new connections we are happy to provide this resource directory of the companies and organizations who were participants in our Women’s International Day event.

KEYNOTE TO-DO LIST LINK

Laura’s advice hit home as evidenced by all of the head nodding going on in the room!  If you missed the link to our “more balanced life” To-Do list click here to open your personal copy!

PHOTO GALLERY

Smiles and memories of our time together at The Center sponsored Women’s International Day event. Click to view.

SAVE THE DATE 

Plan to celebrate International Women’s Day with us again next year on Friday March 8th 2019!  You can mark your calendar and we will take care of all the details!  

IN CLOSING

Women celebrating women is one example of pooling resources around a common goal.  We are grateful to have so many professional connections and women advocates in our circle of friends.  In our world of financial planning, it is not uncommon to work with accomplished women who are seeking guidance to ensure that their present plan for financial security is on track for future success.  One hurdle is that many times they don’t know someone …… consider that we might be that someone!

Laurie Renchik, CFP®, MBA is a Partner and Senior Financial Planner at Center for Financial Planning, Inc.® In addition to working with women who are in the midst of a transition (career change, receiving an inheritance, losing a life partner, divorce or remarriage), Laurie works with clients who are planning for retirement. Laurie is a member of the Leadership Oakland Alumni Association and is a frequent contributor to Money Centered.

Nick Defenthaler, CFP® Will Play in the United Cerebral Palsy Benefit Hockey Game

Contributed by: Nick Defenthaler, CFP® Nick Defenthaler

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For the second year in a row, I will be lacing up the skates to play for the United Cerebral Palsy (UCP) ‘Pucksters’ as we take on the Detroit Red Wing Alumni. This is the 18th year for the charity hockey game, which will benefit United Cerebral Palsy Detroit and will take place at the St. Mary’s Arena in Orchard Lake, MI. Over the years, this amazing event has raised nearly $400,000 for the disabled community and their families! 

I discovered this great event while meeting with a client who is very involved within UCP Detroit and like me, still plays hockey each week with friends. When he and his wife asked me to be a part of the roster to play the Red Wing Alumni team, I was thrilled. Not only could I help support a worthy cause, I could also skate alongside many of the athletes I grew up watching play as a kid. I’ll never forget lining up next to NHL Hall of Famer, Dino Ciccarelli at last year’s game and telling him, “You know, you were one of my favorite players on the Wings when I was growing up. I hope that makes you feel old”. We both had a good chuckle and he gave me a friendly jab as the puck dropped at the faceoff. That was a pretty cool moment for someone like me who has grown up to live and breathe Red Wing hockey. 

Event Information:

  • Date: Saturday, March 24, 2018

  • Location: Orchard Lank St. Mary’s Ice Arena – Orchard Lake, MI

  • Game Time: 4pm sled hockey game, 6pm game vs. Detroit Red Wings Alumni

  • Tickets: Only $10/person or $30 for a family up to 5 members, kids under 5 are free

  • Visit: skatewithoutlimits.org for more information!

If you would like to read more about my story and my fundraising goals for the event, please click here.  I hope to see some familiar faces in the stands once again this year cheering on the UCP Pucksters!

Nick Defenthaler, CFP® is a CERTIFIED FINANCIAL PLANNER™ at Center for Financial Planning, Inc.® Nick works closely with Center clients and is also the Director of The Center’s Financial Planning Department. He is also a frequent contributor to the firm’s blogs and educational webinars.


Links are being provided for informational purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

Timothy Wyman, CFP®, JD Named to Forbes Top State-by-State Advisors List for 2018

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The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research is based on an algorithm of qualitative criteria and quantitative data. Those advisors that are considered have a minimum of 7 years of experience, and the algorithm weighs factors like revenue trends, AUM, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of 21,138 advisors nominated by their firms, 2,213 received the award. Neither Forbes nor SHOOK receive a fee in exchange for rankings. This ranking is not indicative of advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating.

Warming Haven's Hearts on Valentine's Day

Contributed by: Nancy Sechrist Nancy Sechrist

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The “season of giving” never really stops when the holidays are over.  There is a need for help and assistance throughout the year: winter, spring, summer and fall.  Over the last few weeks, The Center Team has come together to make 30 fleece blankets for the women and mothers at a women’s shelter called Haven in Oakland County. Haven offers a comprehensive program for victims of domestic violence and sexual assault and provides shelter, counseling, advocacy and educational programming.

The Center’s Creativity and Charitable Committee, along with other Center Team members spent time together cutting and tying knots of soft and colorful fleece material to make warm blankets.  We all know how good it feels when you receive something handmade - whether it’s a picture drawn by your grandchild or a knitted scarf – what makes it special is that somebody took the time to make something unique for you.  The blankets will be delivered to the women as a Valentine’s Day surprise, with the hope that these blankets will brighten and uplift the women at Haven to give them comfort, warmth, and knowing they are cared about.

As Author Leo Buscaglia wrote, "Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."

With hopes that all are kept warm and safe during this cold winter season…

Nancy Sechrist is the Office Manager at Center for Financial Planning, Inc.®


Raymond James is not affiliated with Haven.

Sandy’s Spring Teaching at Schoolcraft College

Contributed by: Sandra Adams, CFP® Sandy Adams

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I am excited to let you know that for a second semester am going to be teaching courses for Schoolcraft College as part of the Continuing Education and Professional Development Program.  As always, the opportunity to share my knowledge and passion in the areas of financial planning and gerontology is exciting for me. 

The classes I will be teaching again, in April are:

Serving as a Financial Fiduciary: 
April 2nd, 2018, from 6-9pm

Being responsible for someone else’s finances can be a huge weight to carry. Learn what it means to serve in the role of a financial fiduciary — persons required to always act in the best financial interest of those they are serving.  Learn where to find guidance and resources, avoid scams, and how to establish sound, long-term planning.

Long Life Planning:
Mondays for three weeks starting April 9th, 2018, from 6-8pm

Go beyond traditional retirement planning and tackle topics such as long-term care planning, difficult conversations with family, aging, and end-of-life planning.  Discuss resources, downsizing, housing and care options, legal and financial guidance and more.  Plan now for your later long life.

If you or someone you know might be interested in attending one of these or other courses offered by the Schoolcraft Continuing Education and Professional Development program, find more information here:  www.schoolcraft.edu/cepd

Sandra Adams, CFP® is a Partner and Financial Planner at Center for Financial Planning, Inc.® Sandy specializes in Elder Care Financial Planning and is a frequent speaker on related topics. In addition to her frequent contributions to Money Centered, she is regularly quoted in national media publications such as The Wall Street Journal, Research Magazine and Journal of Financial Planning.


Raymond James is not affiliated with Schoolcraft College. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

Webinar in Review: Protect Your Data

Contributed by: James Brown James Brown

It is not just Personal Information Identifiers such as a social security number that the bad guys are after. Personal information like your email address, mailing address and preferred store is a sample of some of the information that can be used for identity theft. More devices are connecting to the Internet; more companies are experiencing data breaches; more cyber-attacks are becoming increasingly sophisticated and we all have a larger cyber footprint. The Center for Financial Planning, Inc. and Raymond James protects the information we have about you and offer some best practices on how to protect your data.

Some of the ways the Center for Financial Planning, Inc. protects:

  • Encrypted drives

  • Secure access

  • Encrypted messaging

Some of the ways Raymond James Financial protects:

  • 24/7 Real-time Monitoring

  • Dedicated Analysts employing 74 security solutions to provide protective services

  • Enhanced authentication and encryption for Raymond James Financial services transactions

Take a holistic approach. Make sure that your computer is receiving the latest updates from manufacturers. Many of the software and hardware vendors will release fixes to security holes that are found in the products as soon as they are discovered. Also, use a personal firewall to prevent unwanted traffic from entering or leaving your computer. Backup your data because sometimes, things just go wrong.

Consider two-factor authentication. Many web sites offer two-factor authentication. It usually takes the form of entering a password and a one-time code that is sent to your phone. It is a little extra work to log in to the site but adds a significant layer of protection.

Use strong passwords and change them often. Hackers are smart and they use tools that can easily break through an account that uses a word that is in the Dictionary. Consider using a phrase rather than a word and substitute some of the letters for characters (such as @ for the letter a). Never use the same password across sites. If you use a lot of different web sites, consider using a password manager.

James Brown is an IT Manager at Center for Financial Planning, Inc.®


The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete.

2017 Year In Review Letter

Contributed by: Timothy Wyman, CFP®, JD Tim Wyman

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Dear Clients & Friends of The Center:

I hope that this letter finds you enjoying the start of a New Year. Major tax reform, Federal Reserve monetary policy decisions and geopolitical uncertainty already consume headlines and should present opportunities for planning in 2018. 

Our team is always analyzing. Today we are discussing the income and estate tax changes, how they might affect the economy and financial markets, as well as the planning opportunities that you may want to consider in your personal planning.  We look forward to sharing our insights in the coming weeks and throughout the year. However, before fully turning the page to the New Year, we would like to share The Center’s 2017 Review with you, our stakeholders.

Team – Your Team

For a professional services practice like The Center, success starts and ends with people.  The people we serve; our clients, and team members. Once again, we have added talented new team members to serve our growing clientele. These folks understand that success is earned each and every day – sometimes through major breakthroughs but mostly from doing the right thing minute after minute, hour-by-hour, day-by-day, year by year by always putting our clients’ needs first. Client service is deeply woven into our culture as we work tirelessly to help you accomplish your life goals and achieve confidence and peace of mind regarding your financial affairs. 

Please visit our website at www.CenterFinPlan.com for additional information on our entire team.  Below is a brief summary of our new team members:

  • Experienced and talented financial planners Peggy Hall Davenport, CFP®, Bob Ingram and Jacki Roessler, CDFA® joined our Financial Planning Team.

  • The Client Service Team welcomed Andrew O’Laughlin, Abigail Fischer, and Sarah McDonell.

  • James Brown joined us as our new Information Technology Manager.

  • Internships, under the direction of Jaclyn Jackson, continue to be an important ingredient of The Center. Military veteran and then Oakland University student Kevin Kelley joined as an intern and moved to full time status after graduation. University of Michigan student DewRina Lee spent the summer with us and we just welcomed Butler University student Luke Renchik over winter break.

  • We said good-bye to a few team members including Clare Lilek who moved to Chicago to attend law school at Chicago-Kent College of Law.

  • Most recently we just welcomed a new receptionist, Andrea Tomaszewski.

These folks understand and appreciate that great service is viewed as an opportunity, and it happens everywhere at The Center regardless of title or function. We hope that you have a chance to get to know our new team members in the coming year.

Keeping You Informed:

In addition to diligently monitoring investments, we continue to keep in touch in between calls and annual review meetings via a multitude of mediums. In 2017, we shared our knowledge and technical excellence with you, our clients, as well as other professionals and the communities in which we live and serve.  Our team hosted webinars (14) on a variety of financial planning and investment topics throughout the year. We once again held live events on Investment Market Outlook and Medicare planning. Our entire team continues to be avid writers so as to keep you informed on timely and timeless topics via our blog posts (look for our Tax series rolling out as I write). Lastly, some of you were able to join us for some fun at our sponsored Detroit Chamber Winds & Strings concerts, Detroit Bus Tour, and networking events with other professional firms.

In 2017, our team were sought out speakers and community leaders. Matt Trujillo, CFP®, Nick Defenthaler, CFP® and Gerri Harmer presented at the Michigan Association of CPA’s annual CE day sharing their knowledge on Solo 401k and defined benefit cash balance plans.  Sandy Adams, CFP® continues to be a leader in the Elder Care Community and Wayne State University's Institute of Gerontology in addition to teaching at Schoolcraft College. Melissa Joy, CFP®, CDFA® was a presenter at the Raymond James National Conference. Matt Chope, CFP® was a moderator at a national wealth management conference. Matt Trujillo, CFP® and Sandy Adams, CFP® presented to employees at DTE Energy. Nick Defenthaler, CFP® spoke on Social Security strategies at the Wixom, Brighton, and South Lyon libraries. And, Tim Wyman, CFP®, JD shared his knowledge on financial transitions at Right Management.

Record Numbers Once Again

In 1985, our founders wanted to build and create a specialized team who could serve clients in a different, better way.  The concept of financial planning was novel. Starting with a team of three, our growth has been continuous and measured over the years.  Growth for us is more of an outcome than a stated goal. Our clients and professional partners continue to be our biggest advocates, a status we do not take for granted. The Center currently has 29 team members serving roughly 960 clients.

Our client assets under management continues to grow, now exceeding $1.18 billion (that’s US Dollars not Bitcoin). The Center is in a solid financial position with adequate reserves. This strong financial position allows us to reinvest in our current team and consider strategic investments in technology and human capital for the benefit of you, our clients. Perhaps most importantly, a strong financial position allows us the freedom to think long term as we have just embarked on our Vision 2030 that we expect to finalize in 2018.

Technology

Technology continues to play an increased role in our ability to provide world-class service. We also understand and appreciate that technology alone does not replace the human touch. Last year, I shared a significant change in that we began implementing a new Client Relationship Management system. While this is behind-the-scenes technology, workflows and dialogues have helped us…well, help you.  We continued to commit significant time and resources on training for our team to know and provide the best service experience possible for both clients and team members.  

In 2017, we have made another major technology commitment with expectations to roll out mid-2018.  Tamarac’s Advisor View will provide greater reporting capabilities as well as online dashboards and vaults. The goal is to more effectively communicate with you about your investments and financial picture. For those in the tech industry – I trust that you can appreciate it when I say more to come. :)

Awards & Recognition

In 2017, we were fortunate to receive a variety of Awards & Recognition. Once again, we received the Crain’s Detroit Cool Places to Work recognition – showing up at #7 this year.  Awards such as this allow us to recruit, and even be recruited by, extremely talented new team members that increase our capabilities to serve you.  The practice also received recognition on the Financial Times FT 300 List* as a top national Registered Investment Advisor as well as the Best and Brightest Health & Wellness award, among others.

Two of our financial planners received special recognition in 2017. Nick Defenthaler received mention in the Forbes – Top NexGen Advisors list** and planner/partner Melissa Joy was selected as a Top Wealth Adviser Mom Award recipient***.

Lastly, Director of Investment, Angela Palacios accepted a team award from Investment News as part of their Practice Management/Technology Award in recognition of our commitment to time proven systems and processes.

Summary

It is an exciting time to be a part of The Center. We thank you, our clients, professional partners and friends, for your continued confidence and trust. It is something we work hard at everyday – it’s what we love to do.  As we enter our 33rd year, The Center is on solid footing. We continue to operate in a disciplined manner striving to provide outstanding client service and managing a growing company. To that end, we look forward to working with you in the year to come.

Wishing you and yours a Happy New Year.

Timothy Wyman, CF®, JD
Managing Partner

Timothy Wyman, CFP®, JD is the Managing Partner and Financial Planner at Center for Financial Planning, Inc.® and is a contributor to national media and publications such as Forbes and The Wall Street Journal and has appeared on Good Morning America Weekend Edition and WDIV Channel 4. A leader in his profession, Tim served on the National Board of Directors for the 28,000 member Financial Planning Association™ (FPA®), mentored many CFP® practitioners and is a frequent speaker to organizations and businesses on various financial planning topics.


*Financial Times Top 300 Registered Investment Advisors - 2017

The Financial Times FT 300 Registered Investment Advisors 2017 award had about 41.1% of the 730 advisor applicants being recognized as a Registered Investment Advisor. The FT used the database of RIAs who are registered with the U.S. Securities and Exchange Commission (SEC), and selected those practices reporting to the SEC that had $300 million or more in assets under management, and no more than 75% of the AUM with institutional clients. Additionally, the firm must be independent (not the RIA arm of a broker dealer for example). Qualifying RIA firms filled out an online application and questionnaire that gave more information about their practices. That information was augmented with their own research on the candidates, including data from regulatory filings. The FT generated an internal score for each applicant based on six broad factors: advisor assets under management, AUM growth rate, the firm's years in operation, advisors' industry certifications (CFA, etc.), compliance record, and online accessibility. AUM and asset growth comprise roughly 80 percent to 90 percent of each RIA's score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of RIA's from any one state that's roughly correlated to the distribution of millionaires across the U.S. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of the advisor's future performance. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. The FT is not affiliated with Raymond James.

**Forbes list of "America's Top Next Generation Wealth Advisors / Top Millennial Advisors “Data provided by SHOOKTM Research, LLCD ata as of 3/31/17.

SHOOK Research considered advisors born in 1980 or later with a minimum 4 years relevant experience. Advisors have built their own practices and lead their teams; joined teams and are viewed as future leadership; or a combination of both. Ranking algorithm is based on qualitative measures derived from telephone and in-person interviews and surveys: service models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criteria because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC. Neither SHOOK nor Forbes receives compensation from the advisors or their firms in exchange for placement on a ranking. Raymond James is not affiliated with Forbes or Shook Research, LLC. This ranking is not indicative of advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience.

***Working Mother and Shook Research's 2017 Top Wealth Adviser Moms

Data provided by SHOOKTM Research, LLC as of July 2017. The Working Mother and SHOOK research ranking is based on an algorithm of qualitative and quantitative data. SHOOK Research considered wealth advisers who are mothers with at least one child living at home and under the age of 18 with a minimum 5 years of industry experience. Ranking algorithm is based on qualitative measures derived from telephone and in-person interviews and surveys: service models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisers rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research LLC. Neither SHOOK nor Working Mother receives compensation from the advisers or their firms in exchange for placement on a ranking. Raymond James is not affiliated with Working Mother or Shook Research, LLC. This ranking is not indicative of advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. For more information see www.SHOOKresearch.com.

New Team Member: Peggy Hall-Davenport, CFP®

Contributed by: Timothy Wyman, CFP®, JD Tim Wyman

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The Center is pleased and honored to announce the addition of Peggy Hall-Davenport to The Center team.  After faithfully serving clients through her own practice for over 30 years, Peggy joins The Center as a Senior Financial Advisor.  In this role, Peggy will continue to provide technically advanced financial planning to individuals and their families in a new team setting. “What a gift to have someone of Peggy’s integrity and experience join The Center team. Peggy, and former colleague Sandra Tutro, Registered Assistant, have taken great care of clients over the years and we look forward to supporting Peggy and clients in the future.”

In her personal time, Peggy enjoys gardening, swimming, genealogy and spending time with family.  Peggy also gives back to the community through service in local Rotary and Optimist clubs.

Timothy Wyman, CFP®, JD is the Managing Partner and Financial Planner at Center for Financial Planning, Inc.® and is a contributor to national media and publications such as Forbes and The Wall Street Journal and has appeared on Good Morning America Weekend Edition and WDIV Channel 4. A leader in his profession, Tim served on the National Board of Directors for the 28,000 member Financial Planning Association™ (FPA®), mentored many CFP® practitioners and is a frequent speaker to organizations and businesses on various financial planning topics.