Our Expertise
 At Westward Financial Strategies, we pride ourselves on having the most educated and astute professionals in this area. Each advisor in St Louis is backed by our team of experts to ensure you get the very best financial advice and guidance we can provide. Our knowledge and resources combined with a high level of professionalism and personal attention will help guide you toward your financial goals. David Boykin, President & CEO
Adam Ashcroft
RS Funds
Regional Sales Director
Financial Advisor Division
KS, IA, MO, ND, NE & SD
Adam_Ashcroft@rsfunds.com
www.RSinvestments.com
(816) 365-5585
Department Head
 Lisa H. Powell, JD, CLU, ChFC, LLIF
Vice President
Lisa previously helped to guide and build out advanced planning sales support services and capabilities for several other life insurance companies, including AXA Equitable, Jefferson Pilot and Prudential. As an advanced planning attorney herself, and nationally known speaker at producer conferences, Lisa understands the needs of the field force, and her strength is in forming an advanced sales department devoted to helping advisors close cases. Business Resource Center
 George Brenner, JD, CLU, ChFC
Business Center Consultant Expertise: Business, Estate and Charitable Planning George has been advising and training financial professionals on advanced planning topics for over 30 years, including 6 years as a general agent for Guardian, in Tampa. He also managed the advanced planning department at Mutual of New York. He has had numerous articles published in professional publications and is a frequent lecturer.  Mark Brumbaugh, JD
Business Center Consultant
Expertise: Business, Estate and Charitable Planning Mark is a 15 year industry veteran, helping advisors and their clients on advanced planning strategies. Mark came to Guardian by way of Provident Mutual/Nationwide where he was an advanced sales consultant. Mark has spoken extensively at agency visits and sales conferences.
 James Magner, JD, CLU, ChFC
Business Center Consultant
Expertise: Business, Estate and Charitable Panning Primary Contact: Premium Financing and Nonqualified Deferred Compensation Jim is a former IRS tax attorney where he wrote many private and public rulings on estate, gifts, GST and charitable tax planning. He has written many articles for professional publications and is the coauthor of several estate and insurance planning books.
 Victor Ngai, JD, CLU, ChFC
Business Center Consultant
Expertise: Business, Estate and Charitable Planning Primary Contact: Marketing and Sales Support Materials Victor has extensive experience in the business, estate and charitable planning areas. After privately practicing law for 10 years, he was an advanced planning attorney for Prudential Insurance, led the high net worth financial planning group for Prudential Securities, and later managed the Case Management Group for SEI Investment's Wealth Network serving ultra high net worth clients. Victor has spoken frequently at industry conferences, legal and accounting continuing education.
 Cynthia Hearing, JD, CLU, ChFC, CLTC
Business Center Consultant
Expertise: Business, Estate and Charitable Planning Cynthia has over 13 years of experience as an Advanced Underwriting Attorney and Director of Financial Planning helping advisors and their clients on their advanced planning needs. She came to Guardian by way of Mass Mutual, New England Financial and Prudential Securities.
Advanced Markets Attorneys
 Lawrence Gorman, JD Advanced Markets Attorney Expertise: ERISA, Pension, Estate, Charitable and Business Planning Larry is an accomplished 30 year industry veteran with diverse experience. Before joining Guardian in 2005, he managed a 401(k) department for a mutual fund manager, owned and operated a qualified plans administration firm, and worked as an advanced planning attorney for various bank trust departments. He has been adjunct professor as well as a continuing education speaker for the New York State Bar Association.
 Ted Manno, JD, LLM
Advanced Markets Attorney
Expertise: Corporate, Estate, Charitable and Business Planning Ted has 34 years of experience in the advanced markets. He was General Counsel of the Savings Bank Life Insurance Fund before he started working with advisors and supporting them on their advanced sales needs. Ted has been an adjunct professor of business organizations at New York University, and insurance, at Seton Hall University, and has been published in legal and industry publications.
Advanced Case Design Department
 Paul McDonald
Head of Advanced Case Design
Paul has been in the financial services industry since 1985. He has been in the home office and the field. His experience includes wholesaling concepts in the advanced markets with Fixed, Variable, and Linked Benefit Products. Prior to Guardian, Paul worked at Lincoln Financial Group and CIGNA Life Corporation.
 Jeffrey Klappholz, CLU
Head of Advanced Case Design Manager
Jeff brings a wealth of knowledge and experience as a 30 year insurance industry veteran - half of that time with Guardian. He specializes in helping advisors understand Guardian's full suite of life insurance products, and also supports them with competitive company and product information, as well as sales illustrations for qualified and non-qualified plans.
Advanced Markets Sales Consultant
 Bryan Davis, CFP, CLU, ChFC
Advanced Sales Consultant
Expertise: Corporate, Estate, Charitable and Business Planning An 18 year industry veteran, Bryan has worked extensively with high net worth clients and their advisors. After early work in actuarial science and executive benefits administration, Bryan moved to personal planning, where he has worked exclusively with advisors and clients in the areas of business planning, insurance planning and analytics, and personal financial planning. Bryan previously was an Agency manager for a TPA firm, as well as a Case Strategist for SEI Investment's Wealth Network, which served high net worth clients.
 Anna Nieves
Advanced Case Design Specialist
Anna has been with Guardian for 30 years taking on diverse roles and responsibilities within various units, including the Pension Department, Executive Benefits Department and Specialty Life Department. Anna has been with advanced planning for over 7 years, providing sales support services to our agents and specializing in executive benefit plan illustrations.
Qualified Plans Marketing Department
 Ernie Guerriero, CLU, ChFC, CEBS, CPCU, CPC, CMS
Manager, Qualified Plans Marketing
Ernie Guerriero is the Head of Qualified Plan Marketing. Ernie is recognized as a retirement planning expert in the industry and is a noted lecturer and publisher, particularly in qualified plan designs for closely held business owners. Ernie has also worked extensively with CPA firms in practice management, bridging tax preparation and financial services. He has taught employee benefits courses at various colleges and is a continuing education instructor with the Professional Insurance Agent of NY, NJ and CT.
 Susan Grant, QKA, QPA
Qualified Plans Consultant
Susan brings vast knowledge and over 20 years experience to the qualified plans department. In addition to a successful career selling and installing qualified plans, she also owned her own pension administration and consulting business and once administered the 7th largest DB plan in the country. She is well versed in all aspects of qualified plans including sales and marketing strategy, case design and administration, and technical and compliance requirements.
 Lillian Tam
Qualified Plans Illustrations Specialist Lillian is a veteran of the qualified retirement plans industry, with over 20 years of experience in the administration and design of qualified plans. Most of her career has been with Guardian, but she was also a manager in the pension department of The United States Life Insurance Co.
 Eric Brandon, EA, MAAA, MSPA
Pension Actuary
Eric is an enrolled actuary and member of the American Academy of Actuaries. He has over 18 years of experience in the employee benefits consulting field, working with and training advisors on case analysis, plan design and business solutions in the qualified plans area.
 Jose Montenegro, EA, MAAA, MSPA, COPA
Qualified Plans Consultant
Jose has over 30 years of experience in the qualified retirement plans. Before joinging Guardian, he worked for AXA Equitable in various capacities including marketing, technical and sales support, and product development. He is well versed in all aspects of qualified retirement plans as well as in 403(b) and 457(b) plans, and IRAs including SEPs, SARSEPs and Simple IRA plan requirements.
Project Management & Administrative Support
 Jennifer Snider-Tornetta, CSA, AWMA, CRPS, CRPC, RP
Project Director Jennifer has been involved with Guardian in a variety of positions to leverage her skills in strategic planning and organizational effectiveness. She has worked as a marketing strategist and in marketing intelligence, and consulted with various business units on niche marketing. She has worked with several select agencies in their development of advanced planning capabilities, and is currently focused on the build-out of the Business Resource Center.
 Carrolyn Colding
Executive Assistant Carrolyn has been with Guardian since 2004 working closely with the advanced planning and sales support group. She brings many years of experience in support services to the BRC as its Coordinator, assisting Lisa in the day-to-day activities of the BRC.
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