Authors

Amanda Liberatore

Marketing Copyeditor

Amanda Liberatore is the Marketing Copyeditor for Hewins Financial Advisors, based in Chicago, IL. She is the managing editor of OneBite and heads the publication's editorial staff.

Amy Libertoski

CPA, PFS | Principal, Senior Financial Advisor

Amy Libertoski, CPA, PFS, is a Principal and Senior Financial Advisor with Wipfli Hewins Investment Advisors in Wausau, WI. Bringing 20 years of experience in the financial services industry, Amy specializes in financial, estate and retirement planning for families, as well as tax planning and preparation for high-net-worth investors.

Angie Whiteside

Senior Manager, Employee Benefits, Wipfli LLP

Angie Whiteside, CPA, is the Senior Manager of Employee Benefits at Wipfli LLP, based in Eau Claire, WI. Angie specializes in the administration and consultation of 401(k) plans, profit-sharing plans, money-purchase pension plans, employee stock ownership plans (ESOPs), 403(b) plans and cafeteria plans for businesses and nonprofit organizations.

Anthony Perillo

CFP® | Financial Advisor

Anthony Perillo, CFP®, is a Financial Advisor with Wipfli Hewins Investment Advisors in Milwaukee, WI. Anthony focuses on comprehensive financial planning for high-net-worth investors and families, and also specializes in tax-efficient investing strategies.

Barry S. Krostich

CPA | Director, Fuoco Group

Barry S. Krostich, CPA, is a director at Fuoco Group, based in Hauppauge, NY. Barry consults on auditing, accounting, compliance and tax issues for individuals and businesses across a range of industries, from healthcare to real estate to construction.

Benjamin Hayes

CFP®, MBA | Senior Financial Advisor

Benjamin Hayes, CFP®, MBA, is a Principal and Senior Financial Advisor for Wipfli Hewins Investment Advisors in Green Bay and Appleton, WI. Benjamin specializes in comprehensive financial planning for major life transitions, focusing on retirement, tax and risk-management considerations.

Blake Faust

CFP® | Financial Advisor

Blake Faust, CFP®, is a Financial Advisor with Wipfli Hewins Investment Advisors in Minneapolis, MN. Blake specializes in comprehensive financial planning for individuals and families, and also helps advise retirement plan sponsors and participants.

Bob Cedergren

CPA, CGMA, CITP, CISA | Partner-in-Charge, Wipfli LLP

Bob Cedergren, CPA, CGMA, CITP, CISA, is the partner-in-charge of Wipfli LLP's risk advisory and forensic services practice, based in Duluth, MN. Bob has worked in the risk management and sustainability sectors for more than 20 years, and is also an acclaimed speaker and author within the field, focusing on the topics of sustainability, business continuity planning and information security.

Brad Mueller

CLU®, ChFC® | Principal, Chief Practice Officer

Brad Mueller, CLU®, is a Principal and the Chief Practice Officer of Wipfli Hewins Investment Advisors, based in Madison, WI. Brad specializes in insurance and risk-management consulting for business owners and family offices.

Bruce Ferry

Partner | DZH Phillips LLP

Bruce Ferry is a Partner at DZH Phillips LLP, based in San Francisco, CA. With a broad background of serving business owners and real estate investors, Bruce specializes in closely held business taxation and strategy; high net-worth income and estate planning; and international tax.

Carolyn Kelly

CFP® | Financial Advisor

Carolyn Kelly, CFP®, is a Financial Advisor with Hewins Financial Advisors in Redwood City and San Francisco, CA. Carolyn primarily focuses on retirement planning for small businesses, while also providing expertise on ERISA compliance and regulatory standards.

Cassandra Latsios

CFP®, MSTFP | Financial Advisor

Cassandra Latsios, CFP®, MSTFP, is a Financial Advisor with Wipfli Hewins Investment Advisors in Media, PA. Cassandra specializes in financial, tax and retirement planning for high-net-worth investors, and also advises retirement plan sponsors and participants.

Christina Gann Munguia

CFP®, MSFP | Associate Advisor

Christina Gann Munguia is an Associate Advisor for Hewins Financial Advisors in Redwood City and San Francisco, CA. Christina primarily focuses on financial planning for women and emerging investors.

Dean Stange

J.D., CFP® | Principal, Senior Financial Advisor

Dean Stange, J.D., CFP®, is a Principal and Senior Financial Advisor with Wipfli Hewins Investment Advisors in Madison, WI. As an attorney, Dean has provided estate and succession planning advice to business owners for more than 20 years. He primarily focuses on the ways in which business ownership, tax and estate issues can impact long-term financial planning.

Derec Mieden

CFP® | Financial Advisor

Derec Mieden, CFP®, is a Financial Advisor with Wipfli Hewins Investment Advisors in Madison, WI. Derec specializes in comprehensive financial planning for individuals and families, and also focuses on helping younger generations start and stay proactive in saving for retirement.

Earl H. Cohen

Attorney | Hellmuth & Johnson, PLLC

Earl H. Cohen is a partner with the law firm of Hellmuth & Johnson, PLLC in Edina, MN. He practices in the areas of estate and wealth transfer planning, business transition, asset protection and estate and trust settlement.

Ed Drake

MSFP, AEP®, CFP®

Ed Drake, MSFP, AEP®, CFP®, is a financial advisor that specializes in serving high-net-worth individuals, families and businesses.

Elizabeth Vuozzo

CPA | Director, The Fuoco Group

Elizabeth A. Vuozzo, CPA, is a director at The Fuoco Group (TFG), a full-service accounting and consulting firm serving clients on the East Coast and in South Florida. Elizabeth supervises TFG’s Internal Revenue Service (IRS), New York state income and sales tax examinations for individuals and corporations. She also heads up the firm’s small business division, assisting closely held business owners with their income tax planning and preparation, cash flow analysis and budgeting programs, among other tax needs.

Eric Donner

ChFC®, CAP®, CLU® | Senior Financial Advisor

Eric Donner, ChFC®, CAP®, CLU®, is a senior financial advisor at Hewins Financial Advisors, based in Boca Raton, FL. With more than 30 years of experience within the financial services industry, Eric specializes in developing estate, business exit and insurance strategies for high-net-worth individuals, families and business owners.

Erika Young

CRPS®, CPFA, AIF® | Principal, Director of Employer Plan Services

Erika Young, CRPS®, CPFA, AIF®, is a Principal and the Director of Employer Plan Services at Wipfli Hewins Investment Advisors, based in Madison, WI. Erika specializes in retirement plan design and assessment for start-up companies, nonprofit organizations and small-to-medium-sized businesses. She also provides expertise on ERISA compliance, reporting and regulatory standards.

Gretchen Halpin

Chief Strategy Officer

Gretchen Halpin is the Chief Strategy Officer for Hewins Financial Advisors, based in Chicago, IL. Gretchen specializes in business strategy, professional coaching, marketing and entrepreneurship, with experience as the driving force behind several successful business ventures.

Irene Salum

CPA | Director, Fuoco Group

Irene S. Salum, CPA, is a Director at Fuoco Group in Miami, FL. Irene provides assurance services and also specializes in accounting, tax preparation and planning, business valuation and forensic and litigation matters.

Janice Deringer

Financial Advisor

Janice L. Deringer is a financial advisor and consultant who focuses on serving individual and corporate clients in Portland, OR. She brings 20 years of institutional investment management experience to her strong interest in educating women and individuals regarding financial decisions, realities and possibilities.

Jedd Nicolas

CFP®, CLTC | Financial Advisor

Jedd Nicolas, CFP®, CLTC, is a Financial Advisor with Hewins Financial Advisors in the Bay Area. Jedd specializes in personal financial planning, investment advisory and risk management for individuals and families.

Jeff Bramschreiber

CPA | Healthcare Partner, Wipfli LLP

Jeff Bramschreiber, CPA, is a Healthcare Partner with Wipfli LLP, based in Green Bay, WI. For three decades, Jeff has specialized in medical practices of all sizes and specializations — from sole practitioners to large medical groups — improve revenue, reduce costs and enhance profitability to sustain future growth.

Jeff Milkie

CPA | Managing Director, Wipfli Corporate Finance Advisors

Jeff Milkie, CPA, is the Managing Director of Wipfli Corporate Finance Advisors (WCF), based in Minneapolis, MN. With more than a decade of experience in corporate finance and investment banking, Jeff specializes in mergers and acquisitions, private placement, advisory and valuation engagements across a range of business sectors, from manufacturing to construction to healthcare.

Jeff Olejnik

Director

Jeff Olejnik is director of Wipfli LLP's risk advisory services practice, based in Minneapolis, MN. With more than 20 years of experience in technology and risk management, Jeff is a knowledgeable IT security services professional and helps clients manage risk through effective information security, business continuity planning and program management.

Jeff Stubbe

CPA | Partner-in-Charge, Wipfli LLP

Jeff Stubbe, CPA, is a partner-in-charge at Wipfli LLP, as well as the Executive Vice President of Wipfli Hewins Investment Advisors, based in Wausau, WI. Jeff focuses on complex tax planning for individuals, families and businesses.

Jenny Wagner

Senior Care Consultant, Vesta Senior Network

Jenny Wagner is an experienced sales and marketing professional, and is well-versed in the long-term care system. Prior to joining Vesta, Jenny spent three years with Reilly PPA, a small PR firm in Chicago, catering to specialized distribution firms. Before her tenure at Reilly, Jenny was in industrial and food packaging adhesives sales for 12 years.

John Bussel

Principal, Regional Director, Chief Investment Officer

John Bussel is a Principal, Regional Director and the Chief Investment Officer for Hewins Financial Advisors, based in Miami, FL. With more than two decades of experience in investment management and planning for private and family-based foundations, John oversees every facet of Hewins' investment program and approach.

Jordan Lochner Mills

CFP® | Senior Financial Advisor

Jordan Lochner Mills, CFP®, is a Senior Financial Advisor for Wipfli Hewins Investment Advisors in Minneapolis, MN. Jordan focuses on personal financial planning and investment management for individuals and families, and also specializes in planning matters related to women investors and retirees.

Julie Kiley

CPA, MST | Tax Manager, Wipfli LLP

Julie Kiley, CPA, MST, is a tax manager with Wipfli LLP in Green Bay, WI. Julie oversees compliance and planning for high-net-worth individuals, including individual, fiduciary, nonprofit, estate and gift tax matters.

Julie Nichols

CPA, PFS | Principal, Chief Financial Officer

Julie Nichols, CPA, PFS, is a Principal and the Chief Financial Officer for Hewins Financial Advisors, based in Milwaukee, WI. In her advisory work, Julie specializes in financial planning, tax compliance and tax planning for individuals, families and business owners.

Karl Schwartz

CPA, CFP® | Senior Financial Advisor

Karl Schwartz, CPA, CFP®, is a Principal and Senior Financial Advisor with Hewins Financial Advisors in Miami, FL, and in Media, PA. Karl serves on Hewins' Financial Planning Committee and specializes in comprehensive financial planning and investment management for high-net-worth individuals and families. He also focuses on planning matters related to same-sex couples and healthcare professionals and practices.

Kimberly Nguyen Velasco

CFP® | Associate Advisor

Kimberly Nguyen Velasco, CFP®, is an Associate Advisor with Wipfli Hewins Investment Advisors in Rockford, IL. Kimberly primarily focuses on personal financial planning for millennials and retirement planning for small business owners.

Larry Lester

Partner, Nursing Home Consulting, Wipfli LLP

Larry Lester is a partner in Wipfli's Nursing Home Consulting Group, based in Eau Claire, WI. Larry has extensive experience in financial management for long-term care facilities and in-depth knowledge of Medicare and Medicaid programs.

Leah Schmid

Associate Advisor

Leah Schmid is an Associate Advisor with Wipfli Hewins Investment Advisors in Madison, WI. Leah primarily focuses on personal financial planning, tax planning and charitable giving strategies for families and individuals nearing retirement.

Lora Murphy

CPA, CFP®, CDFA™ | Principal, Senior Financial Advisor

Lora Murphy, CPA, CFP®, CDFA™, is a Principal and Senior Financial Advisor with Wipfli Hewins Investment Advisors in Milwaukee, WI. Lora specializes in estate planning, tax planning and complex financial planning for major life transitions, including divorce and the sale of a business.

Mark Albers

CPA, MST, CFP® | Senior Financial Advisor

Mark Albers, CPA, MST, CFP®, is a Senior Financial Advisor for Wipfli Hewins Investment Advisors in Green Bay and Appleton, WI. Mark specializes in estate, retirement, tax and charitable giving planning for individuals and families.

Marshall Lund

CFP® | Associate Advisor

Marshall Lund, CFP®, is an Associate Advisor with Wipfli Hewins Investment Advisors in Milwaukee, WI. Marshall focuses on personal financial planning and investment advisory for high-net-worth investors and families; he also specializes in college education planning.

Martha Post

CFA | Principal, Chief Operating Officer

Martha Post, CFA, is a Principal and the Chief Operating Officer for Hewins Financial Advisors, based in Redwood City, CA. Martha oversees Hewins' operations and client service activities and also serves as a member of its Investment Committee, with nearly 30 years of experience in investment management, research and analysis.

Megan Olson

CFP® | Financial Advisor

Megan Olson, CFP®, is a financial advisor serving clients in the Twin Cities.

Nate Wenner

CPA, PFS, CFP®, CIMA® | Principal, Regional Director

Nate Wenner, CPA, PFS, CFP®, CIMA®, is a Principal and Regional Director with Wipfli Hewins Investment Advisors in Minneapolis, MN. Nate specializes in complex financial planning for high-net-worth individuals and small businesses, focusing on retirement distribution planning, estate planning and business succession planning.

Nathan Digmann

Associate Advisor

Nathan Digmann is an Associate Advisor with Wipfli Hewins Investment Advisors, based in Milwaukee, WI. Nathan specializes in comprehensive financial planning and investment management for individuals and families, with a focus on millennials and next-generation investors.

Nima Tolooi

Founder, Former Editor in Chief

Nima Tolooi is the founder, web developer and former editor-in-chief of OneBite. He was formerly the Interactive Marketing Manager for Hewins Financial Advisors, based in Chicago, IL.

Noah Marell

CFP® | Financial Advisor

Noah Marell, CFP®, is a Financial Advisor with Wipfli Hewins Investment Advisors in Minneapolis, MN. Noah specializes in investment advisory, financial and charitable giving planning for individuals, families and foundations.

OneBite Editorial Staff

OneBite® is a Top 50 Financial Advisor Blog powered by Hewins Financial Advisors. Founded in 2011, the digital magazine is dedicated to providing intelligent, in-depth coverage and analysis of the top financial and economic issues facing investors today.

Pamela R. Branshaw

CPA, CEBS | Partner, Employee Benefits Services Leader at Wipfli LLP

Pamela R. Branshaw, CPA, CEBS, is a partner and the Employee Benefits Services Leader for Wipfli LLP, in which she is responsible for the development and operations of the firm’s entire employee benefits practice. Pam also leads Wipfli’s Health Care Reform Advisory Group and is a member of the leadership team for the firm’s small business services group.

Pam Foti

Senior Care Consultant, Vesta Senior Network

Pam Foti is a pharmaceutical industry veteran with 17 years of experience working with psychiatrists and neurologists in Southeastern Wisconsin. For ten of those years, Pam had the opportunity to work in the long-term care arena with geriatricians, pharmacists, nurses and caregivers in both skilled nursing and assisted living facilities.

Paola Ramos

CFP® | Financial Advisor

Paola Ramos is a Financial Advisor based in the Bay Area. Paola focuses on personal financial planning, retirement planning and Social Security planning strategies for women, same-sex couples and small business owners. She also has a background in environmental advocacy and specializes in planning issues and strategies for nonprofits.

Pat Brault

CPA, CTFA | Principal, Regional Director

Patrick Brault, CPA, CTFA, is a Principal and Regional Director for Wipfli Hewins Investment Advisors in Minneapolis, MN. Patrick focuses on comprehensive financial planning and investment management for business owners, retirement plans and foundations, as well as advanced planning for seniors and family caregivers.

Patrice Cresci

CFP® | Principal, Regional Director

Patrice Cresci, CFP®, is a Principal and Regional Director for Hewins Financial Advisors in Redwood City and San Francisco, CA. Patrice focuses on comprehensive financial planning and investment management for individuals and families, primarily specializing in cash flow planning, tax management, college planning and mortgage planning.

Paul Johnson

Senior Manager

Paul Johnson is a senior manager with Wipfli LLP's risk advisory services practice, based in St. Paul, MN. Paul is well-versed in data security and risk management, working closely with clients to assess, improve and test the security of their information systems and comply with regulatory standards.

Paul Ouweneel

CFA, CPA, CFP® | Vice President of Valuation, Litigation and Transaction Services, Wipfli LLP

Paul Ouweneel, CFA, CPA, CFP®, is the Vice President of the Valuation, Litigation and Transaction (VLT) Services group at Wipfli LLP, based in Milwaukee, WI. Paul specializes in the valuation of businesses and intangible assets, as well as sale and purchase transaction support for companies in a variety of industries.

Rafia Hasan

CFA, CFP® | Director of Investments

Rafia Hasan, CFA, CFP®, is the Director of Investments for Hewins Financial Advisors, based in Chicago, IL. Rafia is a member of Hewins' Investment Committee and has a deep knowledge of the financial markets, specifically in the areas of alternative investments and private equity. She also specializes in personal financial planning and estate planning for women investors.

Roger Hewins

President

Roger Hewins is the President of Hewins Financial Advisors, based in North Palm Beach, FL. Roger has more than 30 years of experience in investment management, helping bring the sophisticated financial advice typically reserved for large institutional clients to everyday investors, from high-net-worth individuals and families to small businesses and retirement plans.

Ryan McGuire

CFP® | Financial Advisor

Ryan McGuire, CFP®, is a Financial Advisor for Wipfli Hewins Investment Advisors in Madison, WI. Ryan specializes in retirement distribution planning, Social Security planning and financial planning for families with special needs.

Sara Strohmaier

CFP® | Financial Advisor

Sara Strohmaier, CFP®, is a financial advisor serving clients in Chicago.

Scot Roche

J.D., CPA, PFS | Principal, Regional Director

Scot Roche, J.D., CPA, PFS, is a Principal and Regional Director for Wipfli Hewins Investment Advisors in Rockford, IL. Scot specializes in comprehensive financial, tax and estate planning for individuals, families, business owners and healthcare professionals.

Sergio Campos

Technology Associate

Sergio Campos is the Technology Associate for Hewins Financial Advisors, based in Redwood City, CA. Sergio serves on Hewins' Operations Team, primarily focusing on issues related to digital security and technology trends impacting the advisory industry.

Seth Finestack

CPF, MS | Senior Manager, Nonprofit & Government and Healthcare Practices, Wipfli LLP

Seth Finestack, CPF, MS, is the Senior Manager of Wipfli's Nonprofit & Government and Healthcare practices in Minneapolis, MN. Seth focuses on helping key executives and stakeholders within the nonprofit, public and healthcare sectors develop strategic plans that can enhance the vision and culture of their organizations, and help them work toward future growth and success.

Thuong Thien

CFP® | Senior Financial Advisor

Thuong Thien, CFP®, is a Senior Financial Advisor with Hewins Financial Advisors in Redwood City and San Francisco, CA. Thuong focuses on developing comprehensive financial and investment strategies for high-net-worth investors; she also specializes in socially responsible investing (SRI) strategies and deferred compensation planning for technology executives.

TJ Larson

Retirement Plan Services Associate

TJ Larson is an associate with the Retirement Plan Services team at Wipfli Hewins Investment Advisors in Madison, WI. TJ served in the United States Marine Corps for five years and currently specializes in retirement plan assessment for start-up companies, nonprofit organizations and small-to-medium-sized businesses.

Tom Li

CPA | Director, DZH Phillips LLP

Tom Li, CPA, is a Director at DZH Phillips LLP, based in San Francisco, CA. Tom primarily focuses on business owners' accounting needs, specializing in financial reporting, risk management and bank relationships.

Weston Wellington

Vice President | Dimensional Fund Advisors

Weston Wellington is a Vice President for Dimensional Fund Advisors, based in Austin, TX. With more than three decades of experience in the investment industry, Weston works closely with financial advisors in the U.S., Canada, Europe, Australia and Latin America to explain the principles of a science-based, empirical investment philosophy, and how it can help investors both accumulate and preserve wealth.