LPL Financial Services

Bill Dwyer is President of LPL Independent Advisor Services. In this role, Mr. Dwyer is responsible for the management, retention and recruitment of the firm's advisors, ensuring that they receive the programs, services and support they need to run successful practices. He also oversees LPL's advisory, research, marketing and sponsor relations departments. Prior to joining LPL in 1992, Mr. Dwyer spent eight years as an investment representative at various firms. Mr. Dwyer has served on the Board of Big Brothers of Massachusetts Bay since 1999 and has held the position of Executive Vice Chairman since 2001. He has a Bachelor of Arts from Boston College and holds NASD Series 3, 7 and 63 licenses.

As the president of LPL Financial Institution Services, Dan Arnold sets the strategic vision for the financial institution-focused division of LPL Financial Services. In this capacity, he leads new business development, long-term planning, and the execution of overall operations for the organization, which delivers industry-leading technology, sales and marketing support, and business consulting to financial institution clients on both the UVEST Financial Services and Linsco/Private Ledger broker/dealer platforms. As president and chief operating officer of UVEST Financial Services from April of 1996 until January 2007, Arnold led the company through a period of unprecedented success during which it quickly developed into the fastest growing broker/dealer in the third-party marketer space. Prior to joining UVEST in 1994, Arnold spent seven years in the telecommunications industry with Bell South and MCI. With these organizations, he held leadership roles in corporate finance and sales and marketing. Arnold is a graduate of Auburn University and holds an MBA in Finance from Georgia State University. He successfully completed the Certified Public Accountant examination and holds Series 7, 24, and 63 securities licenses.

As president of LPL Financial, Ms. Stearns provides strategic direction and oversight to some of the corporate shared service areas, which include business technology services, broker/dealer support services, corporate marketing, product management, Custom Clearing Services, acquisition integration, registered investment advisor (RIA), strategic planning, and human capital. Ms. Stearns joined the company in 1996 as the Chief Information Officer (CIO). During her role as CIO she built out BranchNet, which provides advisors with technology platform access to help manage and streamline their daily business processing. Some of the unique features BranchNet offers are access to exclusive research, client account statements, commission information, and the ability to place trades. She was promoted to COO in July of 2005 and to president in February of 2007. Ms. Stearns was instrumental in building and packaging the Custom Clearing Services offering to provide back end support services to broker/dealer organizations. Prior to joining LPL Financial Ms. Stearns worked at Charles Schwab for fourteen years in a variety of leadership roles which included, operations, managing surveillance, internal control, and credit. She holds a Bachelor of Arts degree from the University of Chicago, and holds her Series 7, 24, 27, and 63 licenses.

Prior to joining the firm in 2005, Mr. Maher spent six years at Nicholas Applegate Capital Management as CFO and Managing Director responsible for formulating financial policy and planning as well as ensuring the effectiveness of the financial functions within the firm. Prior to Nicholas Applegate, he spent nine years at Mitchell Hutchins Asset Management, the asset management subsidiary of Paine Webber, where he served as the firm's CFO and Senior Vice President. Mr. Maher earned his Bachelor's degree at Rutgers University and his MBA at Rutgers Graduate School of Management. Mr. Maher is a Certified Public Accountant and holds NASD Series 27 and 65 licenses.

From 1982 to 1986, Mr. Anderson was a Senior Staff Economist at the Council of Economic Advisors (CEA) in the Reagan Administration. In this position he was responsible for administration forecasting, and represented the CEA at the Working Group and Sub-Cabinet level on issues relating to the budget, statistics, and defense policy. From 1976 to 1982, Mr. Anderson was a research economist at the Bureau of Economic Analysis. Lincoln Anderson is the Chief Investment Officer, Chief Economist and a Managing Director at LPL Financial Services in Boston. He directs a team of nineteen LPL analysts providing in-depth research on the global economy and financial markets, portfolio optimization, mutual funds, separate accounts, fixed income, and alternative investments.

Prior to joining the company in 1989, Ms. Brown was an associate attorney with the law firm of Kelley Drye & Warren in Washington, D.C., specializing in corporate and securities law. Ms. Brown came to Kelley Drye & Warren as a result of a merger between Kelley Drye and the law firm of Lane and Edson where she practiced law from 1984, to 1988, working in the real estate syndication and mergers and acquisitions departments. Prior to associating with Lane and Edson, Ms. Brown worked for Peabody Lambert & Meyers, concentrating in the securities area with an emphasis on oil and gas ventures. Ms. Brown received a Bachelor of Arts degree from Bryn Mawr College and a Juris Doctorate from the Catholic University of America. She is a member of the Massachusetts and District of Columbia Bars. Ms. Brown holds NASD Series 7, 24, 63 and 65 licenses as well as life, health and variable insurance licenses.

As Branch Manager with the national independent brokerage firm of Linsco Private Ledger (LPL), George has been servicing investors in the Los Angeles area since 1984, and believes his affiliation with LPL will greatly enhance his ability to service your portfolio. After receiving a degree in Business Management, George began his professional career as a Marketing Representative with International Business Machines (IBM) and excelled in service for seven years. As he became successful, he decided his ultimate goal was to carve out his own niche as a small business proprietor. For the past fifteen years George has worked as a registered broker with both Merrill Lynch and Dean Witter Reynolds before joining the national independent brokerage firm of Linsco Private Ledger. His licenses include: registered broker-series 7; registered principal-series 24; which are held at LPL. George also holds a California insurance license and a California real estate license. George's education and many years of experience in areas of finance have prepared him to provide financial education and investment advice for future investors. He is deeply committed to building relationships with clients and educating them with the essentials to make intelligent investment decisions.

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Robert J. Cullen is a writer, speaker and consultant with a gift for making complex issues understandable. He is the president of Retirement Planning and Management Group, a full range financial planning firm with special focus on the needs of elderly clients and their families. His work, coupled with experience as a reporter and financial journalist, propelled him to become an expert on the Medi-Cal system and the financial needs of seniors, baby boomers, and concerned children of elderly parents. In the process, he developed a new paradigm for understanding Medi-Cal eligibility rules and became a sought-after consultant on Medi-Cal to seniors and financial and legal advisors. Bob gained national prominence through articles in the Los Angeles Times, Medical Economics, Financial Planning Magazine and other publications. He maintains a busy financial planning and consulting practice in Upland, California. Robert J. Cullen serves as president of Retirement Planning and Management Group, a registered investment advisor. He is also branch manager for Linsco/Private Ledger, a national brokerage firm that serves independent financial advisors. Linsco/Private ledger is a member of the National Association of Securities Dealers and Security Investor Protection Corporation.

Fredrick J. Livingston, a principal in the firm has more than 25 years experience advising corporate and individual clients regarding retirement, estate and investment issues. As a service to his clients, Fred publishes a weekly e-mail newsletter to keep them abreast of market news and trends. Prior to founding PLANMARK in 1993, Fred was Director of Qualified Plan Services for a national benefit consulting firm and a Senior Vice President of a regional financial planning firm. He holds a master's degree in Business Administration from Georgia State University and an undergraduate degree from North Georgia College and State University. Fred has been a licensed Certified Financial Planner (CFP) since 1999. He completed the Chartered Life Underwriter (CLU) program at The American College in 1982 and completed graduate course work in Advanced Pensions, Retirement Plan Design, Estate and Business Planning. Fred is a member of the Financial Planning Association. He is an Investment Advisor Representative with Linsco/Private Ledger and a licensed insurance counselor. He is a native of Valdosta, Georgia, a 30-year resident of metro Atlanta and a member and charter president of the North Fulton Rotary Club.

Grady Chun has been appointed district general agent for Colonial Supplemental Insurance. Chun also is a financial consultant and adviser for Linsco/Private Ledger and a registered investment adviser. He previously served with AXA Advisors LLC in Honolulu and San Francisco.

John F. Wood is the President of Wood Financial Group, LLC and an Independent Financial Planner. He has nearly 13 years of experience in finance; his licenses include Series 6, 63, 65 as well as life and health insurance licenses. Mr. Wood is a member of the Financial Planning Association and is registered as an Investment Advisor Representative with Linsco/Private Ledger. Wood Financial Group, LLC specializes in three financial disciplines: Retirement Planning, Incapacity Planning and Estate Planning. In addition, given his success as the owner of a small business, Mr. Wood also enjoys and offers small business advisory services. Mr. Wood graduated from the University of Virginia (UVA) with undergraduate studies in finance and technology. His junior year in college, he was awarded UVA's Club President of the Year award for his entrepreneurial leadership. Mr. Wood began his career by applying the disciplines of finance and technology as a systems engineer with Electronic Data Systems and then Texas Instruments software where he specialized in financial computer-based applications. Mr. Wood was a consultant on many financial applications including the co-lead for the primary budgetary system in the National Security Agency. Mr. Wood served for five years as a consultant to the Central Intelligence Agency, which also utilized his finance and technology background. Mr. Wood has won many outstanding customer service awards as an Independent Financial Planner. He has a passion for teaching and welcomes most opportunities to do so to include his educational workshops, investment clubs, retirement seminars, and George Mason University's senior learning center. His passion is to both educate and motivate people "to protect, preserve and pass on maximum wealth." On a personal note, Mr. Wood was born in 1964. He is a native of Fairfax and the 9th of 12 children, which forced him early in life to respect hard work and to manage money conservatively. He graduated from W.T. Woodson High School and entered into the military soon thereafter to fund his college. Mr. Wood is grateful for the opportunity to have served in the military, which is where he learned to become focused on setting and achieving goals. The culmination of three years of awards and various accolades led to Mr. Wood being honored as Airman of the Year in 1986. Mr. Wood is married to his college sweetheart, Tracey. They have been inseparable since college and subsequently 13 wonderful years of a blessed marriage; they are the proud parents of two daughters: Nicole and Natalie Wood.

Kenneth S. Botwinick, CPA, serves accounting, tax, and business consulting needs of small to medium sized businesses. While well versed in the accounting needs of all closely held businesses, Ken has developed a concentration in serving the needs of dental and medical practices. As a frequent lecturer at continuing education seminars for dentists, Ken has covered many relevant topics including tax implications in practice transitions as well as the business side of dentistry. As an experienced financial advisor, Ken is a licensed insurance producer in the State of New Jersey as well as an NASD registered investment advisor. In these capacities, Ken is proficient in assisting his clients in developing employee benefit programs (including group health/dental insurance and retirement plans) and in writing life insurance policies to fund buy/sell partner/shareholder agreements. Additionally, as an investment advisor with Linsco/Private Ledger, Ken can assist his clients in creating and meeting their investment and wealth management goals. Ken obtained a B.S. in accounting from Syracuse University in 1991. He is a member of the American Institute of Certified Public Accountants and the New York State Society of Certified Public Accountants. Licensed in both New Jersey and New York , Ken serves clients from the South Shores of New Jersey to the Hudson Valley of New York. Prior to joining Botwinick & Company, L.L.C. in 1997, Ken had been associated with multinational accounting and consulting firms in their New York City "Metro" offices. Ken and his wife Tracy reside in Bergen County , NJ with their two children.

Rick is a Financial Planner for Linsco/Private Ledger. He utilizes a total wealth management approach. Each area is important individually, but managing them all collectively is one of the most important considerations in your overall financial success. His approach can help you invest conservatively, reduce your exposure to taxes, meet your insurance needs and provides a plan to successfully transfer your wealth to your children and grandchildren. Among his financial offerings are cash flow analysis, college planning, annual portfolio review, and of course, direct investments. Rick plays a lot of soccer in his off time. Contact this Professional || More on Rick Tidwell...