Lisa Carson, Vice President of Client Relations, assists in the Sage Advisors initiative by helping to bridge Family Business Owners with the correct Regional Specialist. She is available to answer questions and manage follow up and follow through between both parties.
Address: 18 Division St. Suite 210A, Saratoga Springs, NY 12866
Office: 518.871.1214 | Fax: 518.871.1028
Email: lcarson@sagehilladvisory.com

Philip J. Toffel, Managing Director - Sage Advisors
Mr. Toffel leads our Sage Advisors' relationship with the ICBA and with
other family business owners. As such, he works closely with our
Regional Specialists throughout the country to develop and implement
client needs and client service deliverables.
Address: 18 Division St. Suite 210A, Saratoga Springs, NY 12866
Office: 518.871.1214 | Fax: 518.871.1028
Email: ptoffel@sagehilladvisory.com

Frank M. Antalek, Chief Investment Portfolio Strategist
Mr. Antalek designs, implements and manages client investment portfolios
in anticipation of and following sale / re-structuring of family-owned
business ownership positions.
Address: 18 Division St. Suite 210A, Saratoga Springs, NY 12866
Office: 518.871.1214 | Fax: 518.871.1028
Email: fantalek@sagehilladvisory.com

C. Gene Bebee, CLU, ChFC, is a Regional Specialist dedicated to helping clients understand the necessity of estate planning.  He has thirty plus years of experience in the financial services industry.  Gene’s comprehensive knowledge of the entire estate planning process makes him well qualified to meet with clients to assist in solving problems and providing solutions.  His goal is to provide objective solutions and product analysis to his clients. Gene is available to consult with clients, family members, their attorneys, accountants or any other key participants in the decision making process.
Address: 4031 Luxor Lane, Granite Bay, CA 95746
Office: 916-390-6370 | Cell: 916-390-6370 | 916-797-7408
Email: gbebee@timefin.com
Territory: CA & NV (not Las Vegas)

Sheri Benjamin, CLU, CHFC, with nearly twenty years of experience in the financial services industry, is specialized in life insurance planning, charitable, business, wealth transfer and estate planning. Sheri uses a consultative approach to help individuals with their financial and estate planning needs providing objective solutions and product analysis to clients.
Address: 304 Joyce Way, Mill Valley, CA 94941
Office: 415-497-5831 | Cell: 415-497-5831 | Fax: 415-381-1020
Email: sbenjamin@timefin.com
Territory: CA (Bay Area)

Dennis Cahn has with over 25 years experience in the financial services industry. He has expertise in working with high net worth clients in the areas of wealth distribution, estate planning, business succession planning, and family security. His comprehensive knowledge of the estate planning process coupled with his extensive experience allows Dennis to be well qualified to meet with wealthy clients and develop retirement planning strategies.
Address: 7580 Maplegrove, Chesterland, OH 44026
Office: 440-792-2907 | Cell 440-478-1282
Email: dcahn@timefin.com
Territory: OH (West), PA (West)

David E. Christenson, CFP, CLU - With nearly twenty years of experience in the financial services industry, Dave has specialized in working with ultra high-net-worth families, high-income executives, and owners of privately held businesses. Dave is available to consult with clients, family members, their attorneys, accountants or any other key participants in the client's decision making process.
Address: 137 Pin Oak Trail, New Braunfels, TX 78132
Office: 877-689-2005 | Cell: 512-585-9969 | Fax: 877-689-2005
Email: dchristenson@timefin.com
Territory: TX (South)

Michael Cramer, CFP(r), MBA has expertise in executive benefits, asset protection strategies, business owner planning and family wealth and estate planning. Michael works with clients and families, and their other advisors (attorney, CPA, etc.) to assist in the design and implementation of planning ideas.
Address: 427 Woodruff Crossing, Woodstock, GA 30189
Office: 770-615-4871 | Cell: 404-822-2525 | Fax: 717=702-4716
Email: mcramer@timefin.com
Territory: AL

David Feist, JD, CFP, has 25 years in the financial services industry including serving as an advanced concept attorney with several firms serving ultra high net worth clients. His areas of expertise include estate planning, qualified and non-qualified retirement planning, and business continuation, with specialization in closely held business owners.
Address: 8100 NE 104th. St. #7, Vancouver, WA 98662
Office: 360-254-3111 | Cell: 503-593-1474 | Fax: 360-254-3998
Email: dfeist@timefin.com
Territory: MT, ID, OR, WA, WY

David Foresi has been in the financial service industry for 12 years. Prior to joining TIME, David was the estate planning specialist for Wachovia in the southeast. He has focused on assisting clients with their advance planning needs and has extensive experience in the areas of business succession, estate, charitable and insurance planning.
Address: 921 Hemingway Dr., Raleigh, NC 27609-6021
Office: 919-878-8074 | Cell: 919-345-0073 | Fax: 919-878-1219
Email: dforesi@timefin.com
Territory: VA, SC, NC, WV

Scott Grooms is well-versed in advanced planning strategies and has a comprehensive knowledge of the estate planning process. Scott uses a consultative approach to help individuals with their financial and estate planning needs providing objective solutions and product analysis to clients.
Address: 282 Briarwood Lane, Aledo, TX, 76008
Office: 817-441-1967 | Cell: 817-320-6941 | Fax: 817-441-1991
Email: sgrooms@timefin.com
Territory: TX (North), OK

Bruce A. Harrison, CLU, has over twenty years of experience in the financial services industry and has specialized in working with high-net-worth clients. He is dedicated to assisting clients build, protect and transfer wealth in a format based on their vision. Bruce is available to consult with clients, family members, their attorneys, accountants or any other key participants in the client’s decision making process.
Address: 6075 Poplar Ave. #124, Memphis, TN 38119
Office: 901-722-5433 | Cell: 901-277-2782 | Fax: 901-725-4337
Email: bharrision@timefin.com
Territory: TN (West)

Steve Heller - With over 25 years experience in financial services, Steve’s focus concentrates on the process of advanced financial strategies and trust planning to take an all encompassing approach to client needs. He is best suited to engage clients in the process of their personal and business financial organization, tax strategizing, trust and generational planning. Steve’s strongest attributes are his ability to provide the highest quality of service and complete the missing link of the financial and investment process. He works closely with legal counsel and tax specialists to champion the client’s best interest at heart.
Address: 17380 Kennedy Dr., N. Reddington Beach, FL 33708
Office: 813-300-7858 | Cell: 813-300-7858
Email: sheller@timefin.com
Territory: FL (West/South)

Jim Karthaus’ eleven years of fee-based planning experience provide the expertise to help address all of a client's financial concerns, not just those associated with wealth distribution and estate planning. Jim has extensive knowledge in estate planning, wealth distribution, business owner and executive compensation as well as business succession planning. His experience is fully adept at engaging all parties, gaining consensus of action, and keeping momentum through to successful plan conclusion.
Address: 44 Mystic View Lane, Doylestown, PA 18901
Office: 267-221-8223 | Cell: 267-221-8223
Email: jkarthaus@timefin.com
Territory: NJ, NY

Carnis Kelly joined TIME Financial Services with over 25 years of experience in the industry. He is well-versed in advanced planning strategies and has a comprehensive knowledge of the entire estate planning process. Carnis uses a consultative approach to help individuals with their financial and estate planning needs. His goal is to provide objective solutions and product analysis to his clients.
Address: 1000 Camdenmill Dr., Ridgeland, MS 39157
Office: 601-953-9633 | Cell: 601-953-9633 | Fax: 601-856-4779
Email: ckelly@timefin.com
Territory: AR, MS, LA, AZ, NM, UT

Wm. Perry Kincy, JD, CLU, ChFC has been in the financial services industry since 1982 and has been working with wealthy clients for over a decade. He specializes in advising successful individuals and business owners, employs sophisticated planning techniques, and is an authority on the subjects of living and charitable trusts, family partnerships, and issues related to large IRAs and Qualified Plans.
Address: 28990 No. Whitefeather Lane, #161, Scottsdale, AZ, 85262
Cell: 480-907-9537
Email: pkincy@timefin.com
Territory: AZ, NM, UT

David Klein works closely with wealthy individuals and business owners, helping them to achieve their estate planning, business planning, and personal insurance objectives. Through a thorough understanding of clients' personal and financial objectives, David is able to provide custom-designed solutions and assist in their implementation.
Address: 5010 Rene, Shawnee, KS 66216
Office: 913-406-5979 | Cell: 913-406-5979 | Fax: 913-825-0053
Email: dklein@timefin.com
Territory: KS, MO (West), NE, IA (West), CO

Richard W. Kranze, MBA - Rich has over thirty years of experience providing estate planning and business insurance services to high net worth business owners, professionals and individuals. His extensive work with stockbrokers, attorneys and accountants brings a strong combination of skills and perspectives to his ability to help address his clients’ needs. Rich is available to consult with clients, family members, their attorneys, accountants or any other key participants in the client’s decision making process.
Address: 661 N. Tomahawk Trail, Vero Beach, FL 32963
Office: 772-234-1080 | Cell: 772-480-6688 | Fax: 717-703-4738
Email: rkranze@timefin.com
Territory: FL (East)

Bob Larkins, ChFC - Through over 20 years of experience with wealthy individuals, Bob has developed an extensive network of allied professionals (i.e., attorneys CPA's and trust officers) that he can reference in complex wealth transfer situations. With his extensive experience, Bob is available to work with clients to help identify and clarify the client's objectives.
Address: 2810 E. Spring Valley Pike, Dayton, OH, 45458
Office: 937-433-5353 | Cell: 937-239-8294
Email: blarkins@timefin.com
Territory: KY, OH (East)

Steve Michaud, CLU, ChFC, has over 25 years of experience in the financial services industry providing quality wealth transfer and business continuation strategies. He is dedicated to assisting clients build, protect and transfer wealth in a format based on their vision. Steve is available to consult with clients, family members, their attorneys, accountants or any other key participants in the decision making process.
Address: 178 Myrtle Blvd. 1st floor, Larchmont, NY 10538
Office: 914-834-2055 | Cell: 917-597-0858 | Fax: 914-834-2058
Email: smichaud@timefin.com
Territory: New York City

Brad Ober is the Regional Specialist in Minnesota, North Dakota and South Dakota. With 18 years of experience in the financial services industry, Brad is focused on providing quality service to high net worth clients. He has spent the past 10 years specializing in the areas of wealth transfer, qualified and non-qualified retirement planning, and business planning. Dedicated to assisting clients build, protect and transfer wealth in a format based on their vision, Brad uses his experience to develop and deliver innovative solutions and deliver them in understandable terms. Brad is available to consult with clients, family members, their attorneys, accountants or any other key participants in the decision making process.
Address: 6568 157th St. W. #320A, Apple Valley, MN 55124
Office: 612-868-1257 | Cell: 612-868-1257 | Fax: 888-307-2689
Email: bober@timefin.com
Territory: MN, SD, ND

Kevin Powers has been involved in providing wealth transfer and business continuation strategies for their high net worth clients for over 10 years. Using his extensive knowledge of advanced planning techniques, Kevin is especially adept at working closely with clients and their advisors to structure business and estate plans that reflect the clients ultimate financial goals. 
Address: 8235 Forsyth Blvd. #1200, Clayton, MO 63105
Office: 314-746-4781 | Cell: 314-616-6334 | Fax: 314-889-3700
Email: kpowers@timefin.com
Territory: MO, IL (South)

Jack F. Reetz, Jr. is noted as an advanced planning specialist in the areas of estate, business, insurance, charitable planning, and wealth optimization. He excels in helping clients build, protect, preserve, and distribute their wealth in the most tax advantaged way. Jack uses a consultative approach to help individuals with their financial and estate planning needs providing objective solutions and product analysis.
Address: 27 Remington Way, Kennebuck, ME 04043
Office: 207-205-4355 | Cell: 207-205-4355
Email: jreetz@timefin.com
Territory: ME

Thomas W. Robb, J.D., CFP® - For over fifteen years, Thom has been assisting clients throughout the country in meeting their individual and business planning needs. He is dedicated to providing a quality client experience in the areas of estate, asset protection, wealth transfer and business planning. Thom is also specialized in executive compensation and bank-owned life insurance (“BOLI”) in community banks. Thom is available to consult with clients, family members, their attorneys, accountants or any other key participants in the decision making process.
Address: 3932 Oberlin Court #100, Tucker, GA 30084
Office: 770-377-8601 | Cell: 770-377-8601 | Fax: 717-703-4861
Email: trobb@timefin.com
Territory: GA, TN (East)

Robin Robertson, CLU, is a seasoned professional with over 25 years of experience in the financial services industry. She specializes in designing plans tailored to the goals, dreams and needs of individual and families. She is an expert in the design and implementation of creative solutions to estate planning problems, and has a special talent for structuring life insurance for owners and employees of closely held corporations for use in plans such as deferred compensation, buy-sell funding and key employee incentive plans. Robin’s comprehensive knowledge of the entire estate planning process makes her well qualified to meet with clients to assist in solving problems and providing solutions. Her goal is to provide objective solutions and product analysis to her clients.
Address: 100 Bayview Circle #560, Newport Beach, CA 92660
Office: 949-737-2626 | Cell: 949-933-9660 | Fax: 949-737-1226
Email: rrobertson@timefinancial.com
Territory: CA (Orange County), SD

Matthew Surowiec has over 10 years experience in the financial service industry and specializes in advanced estate, business and retirement planning for the affluent clients. His comprehensive knowledge of the entire estate planning process coupled with his extensive experience allows Matt to be well qualified to meet with wealthy clients and develop wealth transfer, business, and retirement planning strategies.
Address: 30352 Kingsway Dr., Farmington Hills, MI 48331
Office: 248-661-6798 | Cell: 248-390-4161 | Fax: 714-703-4878
Email: msurowiec@timefin.com
Territory: OH (North), IN, MI

Christopher J. Tara, J.D., for the past eight years, he has been assisting clients in meeting their individual and business planning needs. A frequent speaker in the financial services industry, Chris is approved to provide Continuing Education for financial professionals. Chris is available to consult with clients, family members, their planning team in the decision making process.
Address: 29590 N. Birch Ave., Lake Bluff, IL 60044
Office: 248-202-0619 | Cell: 248-202-0619 | Fax: 847-295-5821
Email: ctara@timefin.com
Territory: WI

Timothy D. Wagner, ChFC, is committed to creating estate and business plans for affluent clients. His recommendations compliment the clients' existing plans and investment strategies and are used as a blueprint for the successful implementation of their overall long-term objectives. His plans closely consider the effect of family dynamics on various tax planning obstacles faced by these individuals.
Address: 6 Druid Lane, Malvern, PA 19355
Office: 610-296-3312 | Cell: 484-678-4459 | Fax: 610-292-3506
Email: twagner@timefin.com
Territory: PA (East), MD, DE

Jeffery P. Withington, CFP®, is dedicated to providing quality service in the areas of individual and business planning utilizing life insurance. His experience enables him to be fully adept at engaging all parties, gaining consensus of action, and keeping momentum through to successful plan conclusion. Jeff is available to consult with clients, family members, their planning team (attorney, accountant, etc.) and any other key participants in the decision making process.
Address: 28 Pigeon Hill Rd., Brookline, NH 02022
Office: 603-249-6739 | Cell: 603-249-6739 | Fax: 603-386-6189
Email: jwithington@timefin.com
Territory: CT, MA, NH, VT