Our Team

"My goal is to assist you in making educated and well-reasoned financial-planning decisions using effective and easy to understand financial strategies."
-- Herb White, CFP ®

...a steady and prudent disposition, providing objective financial guidance with exceptional service...

Herb White is founder and president of Life Certain Wealth Strategies. He is a CERTIFIED FINANCIAL PLANNER™, a well-known speaker and author with a B.A. in Economics and a Masters in Business Administration. Herb’s mission is to help clients build and maintain wealth and assist them in achieving their financial goals by using prudent strategies and providing objective financial guidance. Herb is committed to helping his clients understand their investment options and alternatives.

With nearly 20 years of financial planning experience, Herb has been featured numerous times on Denver television stations KUSA (channel 9), KMGH (channel 7), KCNC (channel 4), and KDVR (channel FOX 31). His financial articles and quotes have appeared locally and nationally in publications including: Accounting Today, Denver Business Journal, National Underwriter, Northern Colorado Business Report, American Banker, 5280 Magazine, Advisor Today, Investment News and many others.

Herb is a member of The Financial Planning Association, The National Association of Insurance and Financial Advisors and he has the professional designations Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), CERTIFIED FINANCIAL PLANNER™ (CFP ®), and Series 4, 7, 24, 63, and 65 securities registrations. His personalized advisory services include: Comprehensive Financial Planning, Stock Option Exercise Planning, Pre and Post Retirement Income Distribution Planning and Risk Management Strategies.

Securities and Investment Services offered through Woodbury Financial Services member FINRA, SIPC and a Registered Investment Advisor. Life Certain Wealth Strategies and Woodbury Financial Services are not affiliated entities.

Contact this advisor.

 

"If you change the way you get things, the things you will get... change."
-- Suzanne Charrin, RFC®

Suzanne has a strong passion for helping people realize their retirement goals. She strives to identify investment strategies that cater to retirees and their concerns about retirement. Whether you are newly retired, have complicated retirement issues, a recent widow/widower or just needing some retirement direction, Suzanne has extensive knowledge when it comes to the art of wealth and retirement strategies. Using her previous skills as a teacher, she uses her financial planning knowledge to enable people to discern and help them make intelligent investment decisions. Furthermore, she is part of a team of working partners that can assist you with the different areas of your financial future.

She has an M.A. in education from the University of Colorado, has earned the FINRA series 6, 7, 63 and 65 registrations and has the industry professional designation Registered Financial Consultant (RFC). Suzanne’s mission is to assist retirees and people thinking seriously about their retirement with the many questions and issues that face them in retirement.

Retirees have unique needs and Suzanne treats each client with exceptional and personalized service and compassion. Suzanne has specific financial tools, such as a special Social Security analysis software to assist her clients to make the best decisions on their financial future. Suzanne is committed to protecting clients assets by providing prudent investment advice and helping them prepare for life’s changing and challenging events.

Contact this advisor

Brian Marston has been providing on-going financial management services to clients since 1976. He earned his Chartered Life Underwriter (CLU) designation in 1984, Chartered Financial Consultant (ChFC) designation in 1986 and Life Underwriting Training Council Fellow (LUTCF) designation in 1992.

Brian's goal is to serve the long-term financial interest of our clients by preserving and growing their capital in a tax efficient manner. His specific duties include researching client issues, preparing and presenting financial cases, plans and updates, developing and implementing solutions, and communicating with clients on their financial issues. He also assists with creating investment recommendations, investment research, investment management reporting and analysis as well as conducting client presentations.

Brian is active in several local charitable organizations and serves as a board member for Human Services Inc., a non profit agency that runs a number of programs including The Florence Crittenton School of Denver. Contact this advisor.

Kim Dale joined Life Certain Wealth Strategies in September 2011 as Office Manager.  She now serves in the role of Executive Assistant to the President and Operational Consultant.  She is responsible for making sure that the firm stays abreast of compliance procedures and providing administrative support to the company president Herb White. Kim also manages Herb’s schedule including; travel, meeting, speaking engagements and other appointments along with ensuring that there are no scheduling conflicts.

Kim’s knowledge and financial services background are essential to the overall success of the firm.  Her comprehensive knowledge of FINRA and SEC rules and regulations helps to ensure that the firm and its advisors meet their regulatory obligations.  Kim is dedicated to the improvement of operations processes and works thoroughly to ensure that all internal business is executed smoothly and efficiently.

She holds Series 6, 7, 24, 51, 63, and 65/66 Securities registrations and brings 25 years of operational and compliance experience to our team.  Kim is an avid reader and gardener, and enjoys many outdoor activities including hiking and rock crawling.  She is a Colorado Native and has two grown daughters and one granddaughter, Zoey.

Tom Sullivan is the Medicare Manager at HealthCare Benefit Services, a brokerage agency that was started in 1988. Tom has dual degrees in Marketing and Finance from the University of Northern Colorado. He brings to HealthCare Benefit Services 24 years of management experience from the private sector, and has been a Medicare expert for over 13 years. Working with CPA’s, Financial Planners and Health Brokers, Tom keeps his clients updated annually with all Medicare changes and updates, and shows how these changes will be affecting their coverage and their premiums. Tom helps decipher the inundation of information and make sure that you fully understand Medicare when entering the program. He will explain how your coverage will affect your personal medical needs, from what doctors you can choose from, and the exact cost of your prescription drugs.

His philosophy is to assist client through the Medicare Maze and to keep clients nimble in all their Medicare choices from year to year.

Ray Trueblood is a Certified Life Underwriter with over 35 years of experience helping clients address their financial goals. He specializes in the use of life insurance for estate tax mitigation, wealth transfer strategies and asset protection.

He holds a BA from Washburn University in Topeka, Kansas. We has published multiple articles and has frequently been a speaker at financial industry meetings.

Mark Hill handles the day to day communications, client events, and marketing for Life Certain Wealth Strategies and is an integral part of our wealth management team. Mark has over thirty years of experience in sales and marketing, including twelve years as owner of a successful visual merchandising and product development company. Mark has served on the board of various businesses and non-profits, holds a private pilot license, and enjoys spending time with family. He lives with his wife, Sherry in Castle Rock, CO.

Ryan Spawr has been in the financial service industry for nearly a decade. After starting in the retail banking and credit union space, he transitioned to a licensed investment service role and obtained the FINRA series 7 and 63 licenses. Following those achievements he expanded his licenses to include the FINRA series 65 and 53 as well as the AAMS® and AWMA® designations. Ryan continues to expand his knowledge as it pertains to portfolio and investment analysis and focuses on improving his real-world portfolio management skills.

Ryan was born and raised in the Midwest until moving to Colorado for college in 2002. He fell in love with all the opportunities to be outdoors and active. In his free time he enjoys hiking the many trails and mountains Colorado has to offer as well as snowboarding and mountain biking. Additionally he is proud to serve his country part time in the US Air Force Reserve, which he has been doing continuously since 2004.

Kimberly Sparks obtained her Bachelors of Science degree from Colorado State University 1984, her Juris Doctor from University of Denver, Sturm College of Law in 1998 and her Masters in Taxation from the University of Alabama in 2010. She has been a member of the Colorado State Bar and a practicing attorney for 14 years. Her dedication to the law, continuous pursuit of quality and professionalism are the foundations that her business, Sparks Legal Corporation, thrives upon. She was a solo practitioner with a diverse practice for eight years while her children were young then went on to practice at a large law firm in the Denver area. Since leaving that firm, Kim has concentrated her practice in the areas of estate planning, entity formation and business planning.

Kim is passionate about the practice of law and mindful about how her role as counselor and attorney at law can affect client lives, client’s businesses and the lives of client’s family members. She is committed to helping her clients clearly understand their options and helping them achieve their estate planning and business goals. Kim Sparks is not registered with Woodbury Financial Services.

Shelby Steenerson balances more than just the books at Steenerson & Co., Inc. She works together with individuals and small businesses to apply strategic planning to their unique tax situations. Her goal is to help clients understand the ever changing tax laws and how it may impact their decision making. She takes over 40 continuing education hours yearly with an emphasis on personal and business taxation. She is a licensed Certified Public Accountant and a member of the American Institute for Certified Public Accountants. Shelby has a Bachelor of Science degree in Accounting and a Bachelor of Science degree in Management. She is a trusted CPA with over 16 years of practical experience in the accounting and income tax fields.

She has four awesome children, two boys and two girls. She enjoys snowboarding and jet skiing with her family.

Whether your needs are large or small, put Shelby's 16 years of experience to work for you. Shelby Steenerson not registered with Woodbury Financial Services.

Financial Planning Team:

Herb White *
CFP ®, AIF®, MBA

Suzanne Charrin *
RFC®, MA
CERTIFIED FINANCIAL PLANNER ™
President
Financial Advisor
 

 

Brian Marston *
ChFC, CLU

 
Financial Advisor Financial Advisor

 

 
Financial Advisor

 

Administrative Team:

Kim Dale 

Mark Hill

Ray Trueblood, CLU, CFP,*

Ryan Spawr*

Exec Administrative Coordinator

Communications Director

Insurance Analyst

Accedited Asset Management Specialist

 

Professional Affiliates:

Shelby Steenerson

Shelby Steenerson

Tom Sullivan

Tom Sullivan

Kimberly Sparks

Kimberly Sparks

CPA/Tax Specialist

Medicare Specialist

Estate Planning Attorney