"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 respected 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 time tested strategies and providing objective financial guidance. Herb is committed to helping his clients understand their investment options and alternatives.

With well over a decade 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 licenses. His personalized advisory services include: Comprehensive Financial Planning, Stock Option Exercise Planning, Pre and Post Retirement Income Distribution Planning and Risk Management Strategies. Contact this advisor.

"I develop a comprehensive profile of your financial strengths and weaknesses. I then give you an objective assessment of what needs to be done in order for you to reach your financial goals. Because money is an emotional topic for many people, people often make unsatisfactory financial decisions and fall short of reaching their financial goals."
--Larry Wills, CFP

Sound investment advice from an experienced practitioner whose mission is to help you reach your financial goals.

Larry Wills is a Certified Financial Planner™ who has spent many years assisting individuals, corporate executives and business owners address their financial, retirement and estate planning needs. Larry received his BS in Business Administration from Southeast Missouri State University and his JD from the University of Missouri. Larry’s goal is to help his clients understand their options, and assist them in selecting the course of action that will lead them to their objectives.

Larry was an active participant in the promotion and growth of the financial planning movement that had its beginning in the 1960’s and 1970’s. He served as Trustee on the Board of Trustees of the College for Financial Planning from 1973-1976. Larry served as Chairman of the Board in 1974-1975 and as Chairman of the Academics Committee the following year. Larry also served as a director on the National Board of the International Association of Financial Planners from 1976 – 1980.

Larry is a life member of The Financial Planning Association. He also holds series 7, 63 and 65 securities licenses.

"I educate women on how to attain financial security and the peace of mind it provides. I work diligently to help them achieve their financial goals."
-- Suzanne Charrin, LUTCF

Personalized advice from a reliable woman who is highly organized, empathetic and conscientious.

Suzanne Charrin specializes in working with women. She empowers women with financial planning knowledge to enable them to make intelligent investment decisions. Suzanne helps women articulate their lifetime financial goals and create a plan to achieve them. She has an M.A. in education from the University of Colorado, has earned the FINRA series 6 and 63 licenses and has the industry professional designation Life Underwriter Training Council Fellow (LUTCF). Her mission is to provide women with professional advice in the areas that are important to them, especially those that have an impact on their independence and financial well being. Women have unique needs and Suzanne treats each client with exceptional personalized service and compassion. Suzanne is committed to protecting client's assets by providing prudent investment advice and helping them prepare for life’s changing events. Contact this advisor.

"I believe that your situation is unique and needs to be approached from that perspective. With today’s difficult financial challenges, you need to have a clear understanding of your current financial picture. I strive to provide that clarification as well as help assess your needs and goals for the future." – Lex Hackley, AAMS

Serving as a client advocate, Lex utilizes his interpersonal skills combined with a keen awareness of the financial market as a whole.

Lex Hackley has a business background spanning over twenty years in both start ups and established entities. He attended Southwest Texas State University in San Marcos Texas where he majored in Business Administration. As an Investment Advisor Representative he holds the series 7 and series 66 securities licenses along with the industry designation Accredited Asset Management Specialist (AAMS).

He brings a wealth of experience with regards to advising clients on matters of retirement planning, investments and life insurance planning. Lex counsels his clients on achieving their financial goals and is dedicated to understanding and addressing their financial concerns. His commitment to providing the highest level of service to his clients has allowed him to establish close relationships with his clients.

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.

Melissa Montoya is a Colorado native and recent addition to the Life Certain Wealth Strategies team, Melissa is an enthusiastic and dedicated professional with well over a decade of insurance industry experience. Through her logical, client centric approach to the insurance aspect of financial services, Melissa provides an exceptional level of service to her clients. She focuses on helping clients create and maintain healthy financial lifestyles and by working in concert with her professional team members, Melissa is able to assist clients with a wide array of financial services. Through advanced professional studies in wealth preservation, retirement planning and estate conservation strategies, Melissa stays up-to-date with regard to continuing education. Prior to joining Life Certain Wealth Strategies as an insurance specialist, Melissa worked as an insurance advisor with New York Life Insurance and later with Allstate Financial Services. Melissa and her daughter Sydney reside in Thornton, Colorado.

I want to provide you with the peace of mind that comes from knowing that your financial affairs are being proactively reviewed on a regular basis by an experienced financial professional with a wide variety of experience. --- Sergio Alcazar

Valuable advice from an experienced and knowledgeable financial professional.

Sergio Alcazar is an investment specialist with experience in portfolio building, asset allocation, option strategies, retirement planning (IRA’s, 401k and rollovers) and life insurance which includes planning, analysis and estate planning. Sergio developed his expertise over the last 15 years while he was employed by Wachovia Securities as a Senior Financial Advisor. He has been recognized from Jackson National Life Insurance Company as one of their most valuable producers.

He has been a member of the Circle of Excellence from Transamerica, has been recognized as a member of the prestigious Eagle’s Circle at Woodbury Financial Services.

Sergio is fluent in Spanish and holds a Bachelors Degree in Business Administration from the University of Central Florida with a minor in International Business. He holds a series 7 securities license, life insurance license and a Certificate in Personal Financial Planning from The Metropolitan State College of Denver by successfully completing the 2 year program requirements.

Born in Mexico City, he has extensive experience in International Markets especially in Latin America and South America. Investment consultants today must keep up with a complex and constantly changing financial marketplace. The knowledge required in today’s marketplace is far greater than at any time in the past. Sergio has the experience and perspective to understand his client’s financial needs and investment goals and is dedicated to helping his clients manage their finances. His personalized approach provides clients with the peace of mind that comes from knowing that their affairs are being proactively managed by an experience professional with a wide variety of experience.

Kim Dale joined Life Certain Wealth Strategies in September 2011 as Office Manager. She is responsible for the day to day administration and operations of the firm. She holds Series 6, 7, 24, 51, 63, and 65/66 securities registrations and brings 20 years of operational and compliance experience to our team. Kim's administrative skills and financial services background are essential to the overall success of the firm. Her specific responsibilities include supporting the advisors, ensuring superior client service, communication and problem resolution with providers, supervising support personnel, as well as AP/AR and general office administration. 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 operational processes and works thoroughly to ensure that all internal business is executed smoothly and efficiently.

Kim is an avid reader, an equestrian (and overall pet lover), and enjoys a great variety of outdoor recreational activities. She is a 2nd generation Colorado Native and has two adult daughters.

Troy Holocker 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. Troy believes that a client must be fully understood prior to matching them up with an advisor. Troy carefully listens to the clients goals and concerns which allows him to identify the best match according to personality and financial needs. Troy has Business Development and Marketing experience spanning over 18 years for major Mortgage, Real Estate and Financial entities. In addition to his responsibilities of Communication Director, Troy is often times the first point of contact for Life Certain Wealth Strategies. A Colorado native, his passions include, his three daughters, two granddaughters, golf and cooking.

Rebecca Adamson joined Life Certain Wealth Strategies in October 2007 as a Client Relations Specialist providing direct support to all of the Team members. She assists clients with website navigation and questions, transfer status updates, ordering statements, scheduling appointments, information changes and general questions. Rebecca majored in Business Administration at Montana State University and brings additional experience from her years of supporting senior level management at Washington Group International. In addition to her responsibilities regarding client relations, Rebecca is also the voice of Life Certain Wealth Strategies. Her cheerful disposition and professionalism enhances our workplace environment and her friendly voice is often the first voice you hear when you call our offices.

Anne Sehon joined Life Certain Wealth Strategies in June 2006 as a Client Relations Specialist. She is involved in coordinating seminars, client appreciation events and special projects. Additionally, Anne’s responsibilities include scheduling appointments for prospective clients to meet with advisors, scheduling for prospective clients to attend educational and informational workshops and special events, conducting market surveys and maintaining records of contacts. In 1979 Anne received a B.A. in Criminal Justice from the University of Buffalo in New York State. Her diverse background includes employment with the Glendale Colorado Police Department, a history of working with developmentally disabled adults, and experience in computer security.

Richard Reese is the personal and commercial insurance specialist for Life Certain Wealth Strategies. He has over a decade of experience in the insurance industry. Richard has a B.A. in finance and a Masters of Business Administration (MBA) from New Mexico State University. He specializes in asset protection and risk reduction. He analyzes our clients personal and business insurance needs, creates a customized program to address those needs, and then works with them long-term, to ensure that necessary adjustments are made.

Richard is the current president and long time board member of The Alie Foundation, a non-profit organization that educates parents and children on the prevention of child abduction.

In more than 40 years of law practice, Lloyd G. Pearcy has had many varied experiences. As a young lawyer he was a municipal court prosecutor. Later as Deputy County Attorney assigned to juvenile court he noticed a glaring need for serving children needing out of home placements. He founded Excelsior Youth Centers, a non-profit treatment center for children that continues today as one of the nation’s premier residential treatment resources.

In the 1980s Mr. Pearcy worked as in-house counsel for a gas and oil company. In that position he successfully negotiated several six-figure, multi-party contracts, including one involving several hundred million dollars. Along the way, he twice served as administrative judge, once for the Colorado Department of Social Services and later for the Denver Civil Service Commission involving police discipline cases. He also served as arbitrator for the American Arbitration Association.

In the 1990s Mr. Pearcy litigated numerous federal court employment law cases.

For 30 years Mr. Pearcy taught business organization law (corporations, partnerships, LLCs, etc) at Denver Paralegal Institute (now Kaplan College), a graduate level program for career-change professionals.

Mr. Pearcy now limits his practice to estate planning and business formation. He has written two books and is a published poet. Prior to becoming a lawyer he was a newspaper reporter and editor. He and his wife, Jenny, have been married for 21 years.

C Michael Sunoo is an attorney whose practice areas include: Real Estate/Construction Laws; Family Law; Elder Law; Business Law; Securities Law; Personal Injuries; and Litigation. When he is not busy practicing law, he is busy teaching graduate and undergraduate students at Daniels College of Business, University of Denver, where he has been an Adjunct Professor since 2001. He holds a BSBA degree from University of Denver, an MA degree from Denver Seminary, and a JD from College of Law, University of Denver. Michael is also a licensed real estate broker in Colorado and California.

Prior to practicing law, Michael worked as an Investment Analyst for Merrill Lynch from 1997-2001. He held NASD Series 7, 63, and 65 licenses.

If Michael is not attending to his law practice, or class, he is advising Teen Challenge of the Rocky Mountains (a comprehensive faith-based residential recovery program) where he is a Board of Director, or rendering decisions on variance applications from property owners as an appointed member of the Board of Adjustment of City of Lone Tree.

Michael resides with his family in Lone Tree, Colorado.

Experience: Mr. Greenwald is a CPA licensed in Colorado. He has had over 30 years experience in a broad array of business and individual tax, financial and finance areas. He has been on the Board of Directors of over 100 different companies in real estate, retail operations, oil and gas, mining, radio, cellular telephones, private foundations, churches, medical companies, restaurants, engineering, and has been a consultant to NGO's at the United Nations and has advised several foreign companies in various countries.
Education
University of Colorado: Bachelor of Science in Accounting and Finance.
Married with two children.