Scott Stephens

I started Circadia because I believe financial planning should match the pace and complexity of the lives it supports. I work with individuals and couples who are earning well but making high-stakes decisions fast — equity comp, student debt, career moves, growing families — and who want a planning partner, not a product salesperson. My planning is anchored in tax strategy and built around what actually drives outcomes: cash flow, risk management, and making sure your wealth-building doesn't quietly drift from your values. For clients who want me to manage investments too, I do that as a separate engagement — but planning always comes first. As the spouse of a medical professional, I have a personal appreciation for what it means to work in high-demand, high-responsibility roles. That perspective shapes how I serve healthcare professionals and others whose time and mental bandwidth are already spoken for. Our work together is virtual-first and designed to fit into — not disrupt — your already full life. If you're looking for someone who will take your full financial picture seriously — not just your portfolio — let's talk.

Douglas Massey is a financial advisor with OFG Financial Services, Inc. in San Angelo, TX, holding the ChFC® and Series 63 designations. He has 33 years of industry experience, including 29 years at OFG Financial Services and over 40 years as a self-employed professional. Massey is also involved in insurance and fixed annuity sales and participates in investment committee activities with NAIFA-Texas. OFG Financial Services provides investment advisory and planning services to individuals and corporations, managing approximately $270 million in assets across 843 client relationships through a team of 37 advisors. The firm uses fundamental analysis to build portfolios emphasizing no-load mutual funds and listed securities, managing accounts on a non-discretionary basis with documented client objectives.

Spencer Plagens is a Series 65-licensed financial advisor with 12 years of industry experience. He is currently with Plagens & Taylor Wealth Management and has been affiliated with Dreher Investment Services, Inc. since 2013, where he serves as owner and president of a non-investment-related business. Plagens & Taylor Wealth Management serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses by providing discretionary investment management and retirement-plan advisory services. The firm employs a combination of fundamental, technical, and cyclical analysis to create globally diversified portfolios primarily invested in no-load or low-load mutual funds and ETFs, with a focus on low turnover and regular client reporting.