Michael Daley

With nearly 25 years of experience in investment research, portfolio management, and advisory operations, I founded my RIA to provide expert guidance to financial advisors and investors. As a CFA Charterholder, CERTIFIED FINANCIAL PLANNER™, and Accredited Investment Fiduciary (AIF®), my goal is to simplify the complexities of investing and help clients make informed decisions about stocks, bonds, mutual funds, ETFs, annuities, alternatives, and private investments. For advisors, I offer tailored support for creating model portfolios, conducting investment committee meetings, and developing retirement plan strategies, all aimed at enhancing advisor-client relationships and delivering better outcomes. Over the years, I’ve worked in various roles, from equity research and fixed income trading to serving as the de-facto Chief Investment Officer for a large RIA. My services cover a wide range of needs, including life insurance analysis, capital gains budgeting, structured product and annuity evaluations, options-based strategies for individual stock positions, IPS reviews, enhanced prospect conversions, and the development of customized model portfolios. I pride myself on providing data-driven insights to help advisors improve their practices, better serve their clients, and grow their businesses. In addition to my professional work, I enjoy spending time with my wife and four kids, golfing, traveling, coaching youth sports, and mentoring students. I’m passionate about investing in future generations and advancing the fields of finance and investing. My technical expertise, combined with a personal approach, allows me to work alongside advisors to elevate their client offerings, streamline operations, and achieve lasting success.

Meet Joe Petry, Ph.D., CFP®, EA, CRPC®— Passionate hooper, hiker, and dog lover who founded Mayfair Financial. -Ph.D. in Economics and a Master's in Personal Financial Planning. -Extensive academic and professional background in teaching finance and economics at renowned institutions. -Certified Financial Planner™ and Chartered Retirement Planning Counselor®. -Has received awards for his volunteerism and leadership. -He believes in the power of random acts of kindness to make the world a better place. Fun Fact: Joe and his neighbors are now novice beekeepers.

Describe the education and business background of the adviser’s principal executive officer: Carl Dwayne Goodin was born March 7, 1951, in Springfield, Missouri. He grew up in and around St. Louis, Missouri. He attended Lafayette High School in St. Louis County, MO, graduating with honors. He was conferred a BM in Education from the University of Missouri at St. Louis in May of 1973. He has completed coursework toward an MA in Finance and Economics from Webster University, St. Louis, MO. His grade point average in graduate studies is 4.0. He completed the CFP professional education program (College for Financial Planning, Denver, CO) in 1989. He continues to study, analyze, and research all matters related to personal financial planning, investments, insurance, estate planning, accounting, and taxation, generally devoting from 5 to 20 hours per week to independent study and advanced seminars. Carl D Goodin, CFP™: Having completed the education, examination, experience and ethics requirements he was awarded the CERTIFIED FINANCIAL PLANNER designation in March 1989. The Financial Planning Association: Carl Goodin has been a member in good standing of the Financial Planning Association since 1985. For many years he served on the Board of Directors of the Financial Planning Association of Greater St. Louis, serving as Director of Professional Development, Director of Public Relations, President Elect, and President. Financial services career and education: Carl Goodin began his career in finance and insurance in 1979 as an aircraft insurance (property and liability) underwriter. In 1981 he chose to continue serving the aviation community, but in a different capacity, primarily as a life and health insurance producer associated with the company now called Lincoln Financial Group. During this period his clientele expanded from those associated with aviation to include small business owners and other professionals. Also, during this period, he became interested in providing personal financial planning services not focused on life insurance sales. In 1986 he accepted an offer to be the regional manager of the UNUM non-cancelable disability income office in St. Louis, only to return to Lincoln Financial as regional manager in 1988. During this period, he successfully completed the examination requirements for the Missouri Uniform Securities license (Series 63), the Investment Company/Variable Products license (Series 6), the General Securities Representative (stock/bond broker's license, Series 7), the General Securities Principal license (stock/bond broker's supervisor, Series 24) and the CERTIFIED FINANCIAL PLANNER. Financial Planning Associates, Inc., A Registered Investment Adviser: Believing that he could offer better, more objective advice for his clients in a more independent setting, he left Lincoln Financial and incorporated Financial Planning Associates, Inc. in 1998. Carl D Goodin, Professor, College for Financial Planning: From March 1999 until July 2005 Carl served as an adjunct faculty member of the College for Financial Planning, teaching all of the required classes for CERTIFIED FINANCIAL PLANNER candidates. Those classes included: Financial Planning, Insurance, Retirement Planning, Employee Benefits, Tax Planning, Investment Planning, and Estate Planning. Carl D Goodin, Professor, University of Missouri at St. Louis: In July 2005, Carl resigned his teaching activities at the College for Financial Planning and assumed a similar teaching position as an adjunct faculty member at the University of Missouri at St. Louis, where he continued until 2015. Fee Only financial planning and investment management: In 2009 Carl Goodin voluntarily relinquished his securities and insurance licenses and terminated all associated residual benefits in the interest of offering his clients valuable, objective advice unaffected by conflicts of interest associated with commission compensation.

In 2018, I launched Oakview Wealth Solutions - a St Charles Fee-Only Financial Planner. As an industry-leading CFP® professional I help our clients eliminate debt, invest smarter, and retire faster. Since launching Oakview Wealth Solutions, I have helped clients buy their dream home, quickly and safely pay down debt, protect their wealth, and retire on their terms. All so they can live richer lives now. I’m a proud graduate of the College of Architecture, Design and Construction at Auburn University and the Certified Financial Planner program at Northwestern University. In addition, I hold the CERTIFIED FINANCIAL PLANNER™ designation – exemplifying my commitment to the highest standards of integrity and professionalism in the industry. When I'm not helping clients realize their dreams, I like to spend my time at concerts, traveling with my family, and watching college football. War Eagle!

Aaron Ungerer is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2006. He collaborates closely with clients and their families, as well as their CPAs and attorneys, to develop goals-based financial and retirement strategies. His approach emphasizes clear explanations for recommendations and the integration of tax-minimization and estate planning into comprehensive wealth management plans. Aaron works as part of the Reynolds Ungerer Wealth Management Group, serving physicians, attorneys, senior executives, retirees, and other accomplished individuals both locally and nationwide. His areas of expertise include college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management, special needs planning, tax minimization, and retirement income. He holds a Bachelor’s degree from the University of Florida and an MBA with an emphasis in finance from the University of Missouri. Aaron has earned the CERTIFIED FINANCIAL PLANNER™ certification, the Chartered Retirement Planning Counselor™ designation, and the Personal Investment Advisor credential. He resides in West County with his wife and family.

Rick Bain is a Financial Consultant at Fidelity Investments, a position he has held since 2008. He assists clients in leveraging Fidelity's resources to develop, implement, and maintain their financial plans. He has extensive experience working with high net worth clients, drawing on a career that includes roles such as Financial Representative III at Fidelity Investments from 1995 to 2008, Investment Representative at Martket Street Securities from 1994 to 1995, Financial Representative at Commerce Bank from 1990 to 1994, and Stock Broker at Hibbard Brown in 1990. Outside of his professional work, Rick Bain enjoys biking, fishing, running, and swimming.