The Latest

Joan Valenti is a Certified Financial Planner™ Professional who has been providing financial planning services for 27 years. She received her Bachelor of Science degree in Finance from Baldwin-Wallace College and obtained her Certified Financial Planner™ certification from the College of Financial Planning in 1991. She holds FINRA registrations 7, 63, 24, and 65 and is an investment advisor representative at LPL Financial and also holds an insurance license. LPL Financial is one of the nation’s leading diversified financial services companies and the largest independent broker\/dealer supporting more than 12,000 financial advisors nationwide.*Joan has spent her career concentrating on Retirement and Estate Planning utilizing investment and insurance products. While dedicated to unbiased financial advice, Joan specializes in helping her clients work towards their retirement goals and the distribution of their assets in a tax efficient manner. As a wealth manager she helps to design an investment strategy to help clients work to achieve retirement goals while creating a plan for the preservation of their wealth from generation to generation. Joan’s focus is on wealth accumulation and the income distribution phase of retirement.She is an OSJ Branch Manger with LPL Financial with focus on Compliance procedures in her oversight of other Registered Representatives with respect to Suitability Standards and Record-Keeping Procedures.Active in her community, Joan is on the Farmington Food Pantry Board of Directors. She is a member of the Advisory Board of Northwest Community Bank. Joan also is a Past President of Rotary and Paul Harris Fellow of Rotary.Joan resides in Unionville, CT with her husband and twin daughters.Securities offered through LPL Financial Member FINRA\/SIPC.* As reported in Financial Planning magazine 1996-2009, based on total revenues.\n

Joan Valenti is a Certified Financial Planner™ Professional who has been providing financial planning services for 27 years. She received her Bachelor of Science degree in Finance from Baldwin-Wallace College and obtained her Certified Financial Planner™ certification from the College of Financial Planning in 1991. She holds FINRA registrations 7, 63, 24, and 65 and is an investment advisor representative at LPL Financial and also holds an insurance license. LPL Financial is one of the nation’s leading diversified financial services companies and the largest independent broker\/dealer supporting more than 12,000 financial advisors nationwide.*\n\nJoan has spent her career concentrating on Retirement and Estate Planning utilizing investment and insurance products. While dedicated to unbiased financial advice, Joan specializes in helping her clients work towards their retirement goals and the distribution of their assets in a tax efficient manner. As a wealth manager she helps to design an investment strategy to help clients work to achieve retirement goals while creating a plan for the preservation of their wealth from generation to generation. Joan’s focus is on wealth accumulation and the income distribution phase of retirement. \n\nShe is an OSJ Branch Manger with LPL Financial with focus on Compliance procedures in her oversight of other Registered Representatives with respect to Suitability Standards and Record-Keeping Procedures. \n\nActive in her community, Joan is on the Farmington Food Pantry Board of Directors. She is a member of the Advisory Board of Northwest Community Bank. Joan also is a Past President of Rotary and Paul Harris Fellow of Rotary. \n\nJoan resides in Unionville, CT with her husband and twin daughters. \n\nSecurities offered through LPL Financial Member FINRA\/SIPC\n\n* As reported in Financial Planning magazine 1996-2009, based on total revenues.\n

Joan Cleveland is Senior Vice President, Business Development, Individual Life Insurance at Prudential. She is responsible for identifying and implementing opportunities within new markets to expand life insurance distribution and product offerings. For example, she recently led the development of an Internet-based acquisition and service process for simplified issue term and single premium universal life insurance products. She also leads a unit that optimizes direct sales opportunities and campaigns, along with a division that builds and manages strategic affinity programs for Prudential’s individual life insurance policyholders. Joan also leads all proactive and reactive customer retention activities.Joan Cleveland has a robust 30+ year history within the financial services industry. Prior to joining Prudential Financial, she was Senior Vice President, National Sales Leader at Genworth Financial (previously GE Financial). She began her career with an M Financial member firm and took that valuable field experience into the home office environment. After successfully managing producer group distribution at Security Life of Denver, she moved to New York as Managing Director, Marketing for Van Eck Global, a boutique mutual fund company. Cleveland then transitioned to AXA Financial to develop their high-end, internal producer group and managed their agent-owned reinsurance company. As GE Financial began building its reputation as one of the powerhouses in the industry, she was tapped to bring her leadership skills to the distribution of life, annuity and long term care insurance products to the brokerage and producer group markets. Throughout her career, Cleveland has provided her expertise and creativity to distribution, marketing and product development for the benefit of the consumer, the producer and the company. She leverages her experience in the field to bridge the home office with their customers through product development advocacy, advanced marketing, new business and policyholder services.Cleveland is active in multiple industry committees within AALU and LIMRA, and holds numerous securities licenses. She holds a B.S. in Business Administration as well as the Chartered Life Underwriter, Chartered Financial Consultant, Registered Employee Benefits Consultant and Certified Long-term Care Professional designations. She is a Board Member of Prudential's Political Action Committee and has most recently been elected to the Board of Directors of the American Bankers Insurance Association (ABIA).

Joan P. Nye has over 20 years of financial services experience. Among other accomplishments,\nJoan is past President of the Dallas Lawyer’s Auxillary and is an active member of the North Dallas Chamber of Commerce.\nJoan earned her bachelor’s degree from Southern Methodist University. She also has an MBA from SMU.\nSince 2007, Joan has been an independent financial professional, having started JPN Financial LLC to provide long-term solutions for individuals and help them navigate their financial path. She is a Registered Representative and Financial Advisor for Princor Financial Services Corporation. Before beginning her own practice, Joan was a Financial representative at HFG Advisors in Dallas, and focused on high net worth and small business owners. At Rauscher-Pierce-Refsnes, Inc. she served as Vice President for 9 years; managing the fixed-income trading desk.\nShe began her career at Saloman Brothers, Inc. in 1982 as the administrative support to the Dallas Regional office, and also supported the Municipal and Corporate trading desks.\nJoan is Series 7 and 63 registered and graduated with a BA in Economics & History from Southern Methodist University (SMU) as well as an Executive MBA from Cox School of Business at Southern Methodist University.\nAs a member of the Dallas community, Joan serves as a public speaker and volunteer. She is a member of the North Dallas Chamber of Commerce, the Dallas Lawyer’s Auxiliary, the Jesuit Preparatory School and the SMU Mustang Club.\n\n

Jim completed his B.A.Sc. (Bachelor of Applied Sciences) degree in Mechanical Engineering at the University of Toronto in 1975. Subsequently, he received his M.Eng. (Master of Engineering) degree at the same university. After spending several years in engineering and investing for his own account, he started his financial planning career in 1995. He is the author of several books; the most recent one is “Unveiling the Retirement Myth – Advanced Retirement Planning based on Market History”. It is a non-Gaussian approach to retirement planning. Before that, he wrote “High Expectations & False Dreams – One Hundred Years of Stock Market History Applied to Retirement Planning”, where he first pointed out the devastating effects of the sequence of returns, market cycles, the luck factor and the time value of fluctuations. His first book was about Canadian dividend reinvestment plansHe contributed a chapter to "Retirement Income Redesigned - Master Plans for Distribution", a book by Bloomberg Press, published in 2006. He also contributed content for Canadian Securities Institute courses on distribution planning. He has written over a hundred articles and numerous portfolio reviews for various magazines on retirement planning internationally since 1996. He is quoted in the news media on retirement and financial planning issues. Jim's expertise stems from applying his engineering and technical analysis background to retirement planning. His article series in Retirement Planning won him the prestigious CFP-Board Award for 2001. He won this award a second time in 2002 on the same subject – about market cycles and sequence of returns. Jim is an independent financial advisor. He gives workshops on non-Gaussian advanced retirement planning across the country. He is the founder of retirementoptimizer.com and aftcast.com

Jim Carroll is chief technology officer at Mobica.