What Should I Do Now?
Today, while many investors are still struggling to understand how the credit crisis impacted the financial markets, we've moved forward. Adapting to changing economic conditions isn't as complicated as it might seem, if you understand that the tenets of sound investment planning haven't changed. Learn what you can do now to get financially prepared for the future. We'll look at trends that are actively shaping the markets and provide information to help you determine whether your current investment plan is on track to address your goals.
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Ted works with members and non-members of Desert Schools Federal Credit
Union, focusing on retirement planning and investment advice for clients at all life
stages. He is committed to ongoing professional development so that the clients
he advises benefit from his expertise in a constantly changing financial world.
Ted started his career with one of the largest financial planning firms in the nation. He moved to Arizona in 1996, where he continued to work in the financial industry as Assistant Vice President and Personal Investment Officer with a Valley bank. The opportunity to work with members, as opposed to customers, was a big reason he made the switch to Desert Schools Financial Services in 2003.
Much of Ted’s free time is spent with his wife and two children. He also enjoys travel, golf, mountain biking and hockey.
Learn About Ted McLellan
Joe works primarily in the areas of pre-retirement planning and post-retirement
needs. He has been with LPL Financial and Desert Schools
Financial Services for over 15 years, and in the industry for more than
40 years. Prior to joining Desert Schools, he supervised more than
1,000 employees as District Manager for a major Arizona banking
One of Joe’s proudest accomplishments is the large number of family and friend referrals he has received from satisfied clients.
Originally from New York, Joe has resided in Arizona for the past 42 years. He enjoys most sports—in particular ice hockey, which he played for many years. Joe and his wife enjoy the outdoors and have been blessed with four wonderful children and two granddaughters.
Learn About Joe Greenberg
Dave has worked in the financial services industry since 1988, guiding
members and clients get from where they are to where they want to go.
“That process starts with a plan which leads us to a strategic approach
to investment decisions,” he says. “In short, I provide my clients with
the discipline that they often cannot or will not provide for themselves.”
Dave was formerly an Advisor at TruWest Credit Union and a Financial Consultant for Wells Fargo, Bank of America Investments and HSBC. He volunteers with the Financial Planning Association and the Chandler Compadres non-profit organization. In his spare time, Dave can be found reading, enjoying sporting activities and spending time with family.
Learn About David Jones
JASON C. ROMERO
Jason seeks to help members grow and protect their wealth by offering
a full range of investment planning strategies tailored to each client’s
specific needs. He started his financial services career more than 18
years ago. Prior to joining Desert Schools Financial Services, Jason
was an advisor with Wells Fargo Private Client Services and M&I
Outside of work, Jason is heavily involved in local church activities. He also belongs to Toastmasters International, a non-profit organization committed to developing public speaking and leadership skills.
Learn About Jason C. Romero
Mitchell works with Desert Schools Financial Services as a registered
LPL Financial Advisor and practices in the northwest Phoenix area.
An Arizona native, Mitchell began his career in the financial services
industry in 1989.
He utilizes a client-focused approach to financial planning which takes into account each client’s financial goals, time limitations and tolerance for risk when making recommendations. Whether you want to ensure a comfortable lifestyle in retirement, leave a legacy for your loved ones or prepare for the unexpected, Mitchell will help bring confidence to your financial future.
Mitchell’s community involvement efforts include teaching seminary courses to high school students. He also loves spending time with his wife, Natalie and children Rylee, Macaela and Jake.
Learn About Mitchell Layton
Greg has been a financial advisor since 2012 and has a passion for
helping families create a plan for their major financial decisions.
Greg puts it like this, Ultimately I’m trying to help families answer
four questions: Where am I at now? Where do I want to go? How do I
get there? And how do I protect what I’ve worked so hard to achieve?
Once we understand that, we then tailor an investment strategy to
address those questions. Greg also has a special focus on helping
business owners provide retirement benefits for their employees as
well as planning for their own retirement given the additional planning
difficulties of owning a small business.
Prior to joining Desert Schools, he was an advisor with Edward Jones and was the founder of Hill Capital Management, a boutique investment company specializing in financial planning, investment management, and employer retirement plans.
Learn About Greg Hill
Eric has 24 years of experience in the financial industry, helping clients
find the right financial products for their needs. He aids members in
understanding which products are most suitable, what they can expect
and how much each financial product will cost.
Eric has worked as a financial advisor for the past 12 years at companies including Compass Brokerage, where he also served as bank manager. In his free time, Eric enjoys riding motorcycles, sports activities, and spending time with his wife, daughter and Labrador retriever.
Learn About Eric Morgan
ROBERT NICHOLS, CMFC
Robert focuses on retirement planning for members at all life stages.
Robert has worked as a Financial Advisor for over 18 years, and
has been with Desert Schools Financial Services since 2001. He is
personally committed to continuing education, so the members he
advises can benefit from updated knowledge in a constantly changing
Robert earned the Chartered Mutual Fund Counselor designation from the College for Financial Planning in 1998. He is a member of the prestigious LPL Financial Patriot’s Club, which is based on annual production. Robert says he is able to provide exceptional service because he takes time to get to know his clients. Robert spends most of his free time with his wife, Michele and their children, Megan and Ryan.
Learn About Robert Nichols
A 17-year veteran of the financial services industry, Paul assists high-net-worth individuals and small business owners in working towards achieving financial goals by developing a financial plan. “This plan is then implemented by efficiently positioning assets to work towards the client’s goals, while also limiting risk and expenses. I then monitor the assets and am in contact regularly with my clientele to make adjustments as needed,” says Paul. Paul previously served as a financial advisor and Vice President at Atlas Securities/Wachovia Securities/Wells Fargo Advisors.
Learn About Paul Wintermantel
Scott has spent 11 years in the banking and finance industry, where
he focuses primarily on financial planning and investment strategy.
Prior to working as an Advisor for LPL Financial at Desert Schools
Financial Services, Scott was an Advisor at Edward Jones and a
Client Service Representative for DS Wills & Trusts as well as
Desert Schools Federal Credit Union.
Scott also serves on the board for Save the Family Foundation, a non-profit organization that offers programs designed to empower families to conquer homelessness and achieve life-long independence. He spends his free time playing and watching sports, participating in outdoor activities like hiking and kayaking, and playing with his two children.
Learn About Scott Smithson
Stephen is an LPL Financial Advisor committed to helping people
pursue their financial goals. He helps clients identify goals and make
thoughtful decisions about their financial future. Stephen is a 25-year
veteran of the financial services industry, having worked for Morgan
Stanley, Oppenheimer & Co. Inc., Scottsdale Wealth Advisors and USAA
before joining Desert Schools Financial Services.
A charter member of Desert Ridge Kiwanis Club, Stephen spent 25 years with Kiwanis International, including time spent serving on their board and in a presidential role. Stephen also enjoys traveling, playing golf and spending time with family.
Learn About Stephen Shepherd