Finding a financial professional you can trust is key to achieving a successful retirement.
Certified Financial Fiduciaries® are sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. By choosing to work with a Certified Financial Fiduciary® you can be confident that your best interests will always come first!
Subhani has the Retirement Income Certified Professional (RICP) designation through the American College of Financial Services. Financial experience includes previously working with firms such as Citibank Pakistan, Bancolombia, Jobin.es Spain, and Crown Capital Securities, L.P. Subhani is currently a Wealth Manager of Toro Bravo Investment Advisors, LLC, a Texas state Registered Investment Advisor firm.
Subhani has been involved in philanthropic organizations like the Ronald McDonald House and United Way.
I was born in Dinuba, CA. As a young man, I swam competitively. I received my undergraduate degree from Oregon State University in 1974. I received my MBA from the University of Oregon in 1976, and consider myself a lifelong student.
I started my financial services career in 1983, with tenures at Morgan Stanley, Dean Witter, and Paine Webber. I hold insurance licenses and have passed the Series 3, 7, 8, 24, 63, and 65 examinations. My career has involved retail sales, recruiting and managing advisors, and wholesaling financial products. For the last 25 years, I have been an industry educator and speaker.
I’ve been married for 34 years and we have two fantastic, awesome, gorgeous, incredible children. I enjoy working as a mentor in our church’s men’s ministry. I also work as a board member with Emergency Ministries, an organization that works with our community’s first responders.
My real passion is my clients. My mission is to do the best job possible for them. That begins and ends with listening. I listen, listen, listen to my clients so I can develop individual plans to help them create, develop and maintain the lifestyle of their choosing. My areas of focus include investment selection, retirement income planning, and family wealth management.
Michael Masor specializes in protecting his client's finances and helping them reach their goals; being the owner of Clearwater Financial Group and being independent, he contracts with multiple companies to bring the best products to his clients.
Mike has been able to help people of all ages protect millions of dollars in retirement assets, and not a single one has lost a penny from market downturns. When asked about his goals, he said, "It is my desire to give my clients peace of mind that their futures are taken care of; I work hard to find the best rates to make that possible. "I personally customize plans for families' particular situations so they will know their money will perform the way they need it to."
Lindsey, Mike's wife of 13 years, also works in the business and enjoys the chance to work closely with clients. They live in Houston, Texas, and have two sons that keep them busy with year-round sports; Mike and Lindsey love taking the boys fishing and camping or playing a semi-competitive driveway basketball game.
Mike's experience, honesty, and integrity are the foundation of his business. His high referral rate directly results from his passion for helping his clients.
Jeremy Sparks is a Certified Financial Fiduciary® and a proud partner of JD Mellberg Financial, the nation’s leading retirement income planning firm. He continues to be named by multiple organizations as one of the top Safe Money and Income Experts in the Nation.
Since 2017, Jeremy has protected MILLIONS of dollars in client retirement savings. He has a passion for life and protecting the hard-earned money that people have acquired over the years. Jeremy specializes in removing his clients’ money from market volatility and has helped countless individuals avoid the significant retirement losses that many experience year after year due to market uncertainty. Due to his success, Jeremy’s expertise and knowledge are heavily sought after.
Jeremy is licensed in multiple states and works with a wide variety of clients located all across the country. Jeremy takes a customized approach with each and every client he works with to build a retirement plan that consists of SAFETY, SECURITY, and GUARANTEED LIFETIME INCOME. He lives happily in Austin, Texas with his girlfriend Melissa and their 6 year old French Bulldog Chaparro.
Jeremy loves knowing that none of his clients have ever lost a dime or missed a lifetime income payment due to market risk, helping to reduce some of the most common fears of today’s retirees.
When Yvette Barrera was in middle school, she remembers thinking about what career she wanted and thought it would be both exciting and empowering to be a woman in the financial industry. After attending the University of Oklahoma on a volleyball scholarship, Yvette began her career in financial services working for a company with many senior clients. She learned that she could significantly impact pre-retirees and retirees by guiding them in their pursuit of a stable and healthy retirement.
Yvette’s goal is to create the most value she can for her clients by showing them how much she cares through her actions, while always placing their best interests above her own. Yvette acts as a counselor and educator for her clients, learning what is important to them and what they value in life, and why. Creating peace of mind for her clients is her driving force.
After attending the University of Texas at Austin, Tammie Tirres was provided the opportunity to work for a private real estate investment company. During this time, she discovered that helping people reach their financial goals and become fully prepared for the future in order to enjoy their retirement without worry is what motivates Tammie and provides her purpose in her career.
Tammie appreciates that there are always opportunities for growth, development and knowledge. She has a passion for learning and thrives in discovering innovative methods and finding solutions to problems. Constantly learning how to better serve her clients is what keeps Tammie on her toes, which she truly enjoys.
Tammie leads with compassion and respect, two attributes that contribute to her admirable client relationships. She genuinely wants to support her clients in reaching their goals.
In 2008, Brooklynn Chandler Willy found her purpose and her passion in helping individuals and families plan for their future and reach their financial goals. She wanted to ensure that they could live their best lives, free from nagging financial concerns and hardships, with her help and guidance.
Brooklynn was led to this role by her own personal experience. She and her sisters lost their father and although he was a life insurance salesman, he did not have life insurance coverage, putting the family in a financial predicament. After following in her father’s footsteps in insurance sales, Brooklynn realized that she could do more than ensure families had the appropriate life insurance coverage. She saw the power in having a total and complete financial plan, guiding individuals and families forward with intentional preparation and risk management.
In launching her own firm, Texas Financial Advisory, and offering these services to her clients, Brooklynn is deeply aware of the depth of responsibility she has and she takes it to heart. It’s a job that comes with much trust and one that she always takes very seriously. Her calling to help others avoid financial dilemmas similar to the one she and her family experienced is what guides everything she and her team does.
Lin A. Edwards, AAMS®, CDFA®, CRPC®, ChFC®, QPFA®, CLU®
Managing Director
I service a select group of families, business owners/entrepreneurs, and executives. My mission is to be an essential and trusted advisor to clients as they pursue their vision of financial success. My commitment to this mission is defined by three core principles:
I. Consultative Approach – Through discovery that helps clients discuss, clarify, and prioritize their financial objectives. An interactive wealth management planning process that helps clients see where they stand today along with a clear path to goals achievement. A commitment to educating clients helps simplify complex issues and ease decision-making. Benefit: Clients experience the confidence that comes from having clarity / structure in their financial lives.
II. Goals-Based Strategies – Experience, teamwork, and training allows us to innovate and bring a meaningful perspective. A clear investment philosophy combined with proven principles results in portfolios tied to clients’ stated objectives. Willingness to work with other professionals and leverage global resources brings customized solutions based upon your risk tolerance, time horizon, liquidity needs and investment goals. Benefit: Clients feel more at ease knowing that their advisor is a financial steward.
III. Personal Attention – Working with a select number of clients helps ensure accessibility and responsiveness. Proactive reviews and regular communication help make sense of financial markets and keep our clients on track.
Financial Professional primarily based in Texas, holding a Life and Health license.
She specializes in Indexed Strategies to safeguard your wealth. In the realm of retirement planning, she steers you toward well-thought-out asset distributions, ensuring a seamless and prepared transition into retirement. Additionally, she assists in navigating effective budgeting and saving techniques to fortify your financial readiness for the future.
As a budding financial professional, my mission is to inspire both my generation and those to come, embark on early wealth-building, safeguard their assets, and promote financial literacy. I aim to cultivate financially independent individuals who can retire ahead of schedule and relish a lifestyle aligned with their dreams and ambitions.
I'm passionate about forging connections, staying active through workouts, indulging in the art of healthy cooking, exploring new horizons through travel, and immersing myself in the rich tapestry of diverse cultures and lifestyles.
Since 1988, Dave assisted businesses and individuals in overcoming financial challenges. Licensed in Health, Life, P&C, and certified in Estate Planning. With Securities Licenses in Series 6, 63, and 65, he’s equipped to provide comprehensive financial guidance. His expertise extends to helping businesses and individuals thrive. He’s also built a strong network of professionals, including CPAs, attorneys, and actuaries, to support clients in reaching their goals. Disclosure: Investment advisory services are offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. Insurance products and services are available through individually licensed and appointed agents, not through BCM.