Meet Your Team of
Financial Planners
A team of certified professionals with specialized knowledge who work together to collectively serve our clients.
Kevin X. Smith
CFA
Managing Partner
Derek Ripp
CFP®, CEPA
Partner
Julie Hayes
MA
Chief Operations Officer
Anna Bell Gall
MPP
Financial Advisor
John Toungate
CFP®
Wealth Advisor
Shane McDougald
CFP®
Wealth Advisor & 401(k) Specialist
Erin Hay
CFA
Senior Portfolio Manager
Sheila Schmitt
Director of Operations & Client Services
Manisha Gupta
CFP®, MBA
Financial Advisor & Financial Planning Manager
David Lowe
CFP®
Financial Planner
Nikki Yates
CFP®
Financial Planner
Cody Kesterke
Senior Client Service Associate & Insurance Specialist
Brooke Cole
Client Service Associate
Nader Youssef
Investment Associate
Jaci Osborne
Office Manager & Client Service Associate
Haley Spies
Investment Operations Associate
Julia Wasson
Office Manager & Client Service Associate
Jennifer Martin
Client Service Associate
How Our Team is Different
On Your Own
Your financial advice comes from an array of professionals in the form of brokers, advisors, accountants, bankers, attorneys and more. Unfortunately, odds are high that none of these people are coordinating appropriately, resulting in fragmented and conflicting notions about which decisions are best.
With Our Team
When you hire our team, we actively engage your professional advisors, provide them information with your permission, and help you build an efficient financial plan using the best available ideas.
Our Core Principles
Education
No Sales Pitch, Just Education
We use illustrations and analogies to make complex concepts easier to grasp. If you are craving even more knowledge, we can take the education as far as you want.
Advocacy
You Should Have a Financial Advocate
We believe that our job is to help educate you, present you with options to help you achieve your objectives and then hold you accountable to taking action.
Accountability
Accountability Leads to Progress
Accountability is the glue that helps you stay on track to achieve your most important financial objectives in life.
We Believe in the Power of Integrity and Honesty
We serve as professional educators and advocates for the financial well-being of families in Central Texas. We believe that the business of financial advice can and should be rooted deeply in the research of America's finest institutions and delivered with the same attention and care as a Four Seasons concierge.