Our Team
Adam Confer
Senior Financial Planning Consultant
Adam Confer, LUTC, CLTC is a Senior Financial Consultant who specializes in solving difficult retirement challenges for Federal Employees. With over 24 dedicated years of service plus prior military experience in accounting has helped equip Adam to assist Federal Employees through the many different phases of retirement. When Adam is not busy with business travel he and his wife Sonja make a homestead in the quiet countryside raising many furry friends on their farm.
Kirk Cavarra
Kirk brings over 18 years of insurance and retirement consultation experience. From Health Benefits to Retirement Products, Kirk offers a vast resource of assistance and a hands on approach. With a strong desire to see his clients succeed and lifestyles increase, Kirk boasts a strong client retention percentage. His most recent focus has been assisting and educating Federal Employees. Being on the Federal Benefits system himself, he understands the challenges Federal Employees have with understanding their benefits and planning for retirement.
Scott Soares
Life Insurance Specialist
Scott has been in the financial services business for (gasp) over 25 years. He earned his degree in Economics from University of California - Santa Cruz, and started working for the family business right out of school. Starting his career with Life Insurance and Annuities, then getting his Securities license, Scott learned from the beginning the value of a balanced portfolio, managing risk, and the importance of Life Insurance.
Heather Schreiber
Social Security/Estate Planning Strategist
- Social Security strategies and rules and how to cater the claiming decision with the unique needs and goals of the client
- Tax mitigation techniques
- Qualified Plans, 403(b) and 457(b) plans
- TSP plans
- Charitable giving
- Gifting and Estate tax planning
- Beneficiary planning
- Tax Law Reform
- IRS reporting issues
- The use of trusts including structuring and annuity or life insurance policy when one is involved
- The see through trust rules for inherited IRA planning
- Non-qualified annuities and taxation rules
