Jo Dyer

"At DESMO, we are passionate about building the foundation of your life pursuits through financial planning and coaching." Massi is a Ph.D. economist and a CFP® professional specializing in financial planning and behavioral economics. Massi has over 18 years of experience in solving complex financial problems for individuals, financial advisors, and endowments and foundations. Before founding DESMO Wealth, Massi held senior investment strategy positions at Dimensional Fund Advisors in Austin and Stone Ridge Asset Management in New York. Prior to moving to the financial services industry, Massi was an assistant professor at Dartmouth College, where he taught finance and macroeconomics. Massi’s accomplishments include the development of award-winning strategies at Dimensional Fund Advisors and, with S&P Dow Jones, the development of the first set of indices that track retirement readiness (the S&P STRIDE indices). Massi has written numerous papers on financial planning, retirement, risk management, and portfolio selection, and has been featured in Barron's, MarketWatch, S&P Dow Jones, USA Today, and many others. Schedule a call here: https://desmowealth.com/contact/

Brett Gadberry is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2014. He has been with Fidelity Investments since 1998, progressing through various roles including Financial Consultant, Investment Representative, Financial Representative, Operations Service Group Associate II, and Brokerage Distributions Representative. His professional experience encompasses comprehensive financial planning, reflecting over two decades of partnership with clients and their families. Brett holds insurance licenses for the states of Arkansas and California. Outside of his professional work, Brett's personal interests include fitness, playing musical instruments, parenthood, caring for pets, and tennis.

Richard Coleman is a Financial Advisor with the McCannon, Dyer and Coleman Group at Merrill Lynch Wealth Management, based in Marble Falls, Texas. He serves clients across the Texas Hill Country and beyond, assisting investors at various stages of life. His role focuses on creating tailored financial plans that align with clients’ goals, covering areas such as family wealth management, legacy planning, retirement income, and investment strategy. Richard joined Merrill Lynch in December 2021, bringing prior experience from Ernst and Young in tax accounting. He holds both a Bachelor of Business Administration in Accounting and a Master of Accountancy from Baylor University. Richard is a Personal Investment Advisor (PIA) and applies his background in accounting and passion for portfolio analysis to support clients in understanding complex financial topics, including investing and estate planning. He leverages digital tools to enhance the client experience. A lifelong member of the Highland Lakes area, Richard actively contributes to his community by volunteering as a football and basketball coach at Faith Academy. He resides in Meadowlakes, Texas, with his wife and their son. His personal interests include golf, tennis, hunting, traveling, and supporting Baylor Bears athletics.