Jeffery Musgrove

I am Lance Elrod – co-owner of Next Step Financial Transitions. I believe that most financial planning concepts have become overcomplicated; my goal is to declassify these concepts into conversational terms and educate you enough so that you understand and feel comfortable with any decision you make. We founded our firm with a focus on helping families navigate financial transitions, no matter the stage of life. Most traditional advisors like to focus solely on your investments, we do things a little differently by taking a holistic approach to financial planning. This means the first thing we do is get to know you – your values, your goals, and your personality. It is not until we fully know you as an individual or family that we can begin to build out your financial plan to serve as a roadmap for your future, because you can’t take your next step until you know where you are going. I hold a BS in Personal Financial Planning from Texas Tech University and am a CERTIFIED FINANCIAL PLANNER™ practitioner. Like many new graduates, I began the early part of my career trying to discover my place and passion within my industry. During that time, I worked short stints with United Capital Private Wealth Counseling, which now comes under Goldman Sachs Personal Financial Management Umbrella, and May and Barnhard, P.C., which recently changed their name to Councilor, Buchanan & Mitchell, P.C… Although I enjoyed financial planning, I felt compelled to take a brief detour as a Mud Engineer because Oil & Gas is what you do when you move to Houston, right? In 2015 I rejoined the industry, where I dug into my career and recognized my desire to serve individuals and families in the under-served, early stage of life. Read Lance's blog here: https://nsfinancialtransitions.com/blog/

Donna Ward is a Financial Consultant currently working at Fidelity Investments since 2023. Prior to this role, she served as a Financial Advisor at Equitable from 2018 to 2023. Donna focuses on understanding clients' needs and goals to develop personalized financial plans aimed at providing clarity and confidence for their financial futures.

Calvin Yuen is Vice President and Branch Leader at Fidelity Investments, a role he has held since 2021. Prior to this, he served as a Regional Planning Consultant at Fidelity Investments from 2017 to 2021. In his leadership position, he focuses on empowering individuals to navigate their financial journeys with confidence and clarity by tailoring strategies to clients' unique goals and circumstances. Calvin employs a holistic approach to financial advising, emphasizing active listening and strategic guidance to foster long-term financial well-being and peace of mind. His experience spans client-focused financial planning and branch leadership within the investment industry. Outside of his professional responsibilities, Calvin's personal interests include baseball, bowling, fitness, running, and snowboarding.

Kassidy Davis is a Planning Consultant at Fidelity Investments, where she collaborates closely with a Vice President Financial Consultant to build trusted client relationships. In this role, she utilizes Fidelity's resources and planning tools to develop and implement strategies tailored to clients' specific needs. Kassidy has been with Fidelity Investments since 2019, progressing through roles including Financial Services Associate, Financial Representative, and Relationship Manager before assuming her current position in 2024. Her experience spans various aspects of financial services within the firm. Outside of work, Kassidy enjoys attending concerts, participating in family activities, hiking, listening to music, engaging in outdoor adventures, and traveling.