Financial Transparency

Michael Macdonald is a financial advisor at Financial Transparency with Series 63 and Series 65 credentials and 42 years of industry experience. He has worked with multiple firms, including United Planners' Financial Services and his own Michael MacDonald Financial Management, where he also serves as trustee. Macdonald is the personal representative and trustee for the Estate of Howard Franklin Haas, managing estate financial and tax matters. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm operates as a fiduciary and offers both passive and active investment strategies, including customized managed accounts with features such as tax-loss harvesting and socially responsible investing options.

William Bresett is a financial advisor at Financial Transparency with 24 years of industry experience. He holds a Series 66 designation and has worked at Envision Financial Transparency, LLC since 2018. Bresett is also the owner and officer of Giardina & Bressett, a certified public accounting firm specializing in tax planning, preparation, accounting, auditing, and business consulting. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm operates as a fiduciary and offers both passive and active investment strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis.

Bernard Donohue is a financial advisor with Financial Transparency, holding the PFS™ designation along with Series 63 and 65 licenses, and has 25 years of industry experience. His prior work includes roles at Cssc Brokerage Services, Inc. and multiple entities bearing his name, including Donohue Consulting Group, Inc. Outside of his advisory work, he provides auditing, accounting, tax, and business consulting services through his CPA practice. Financial Transparency offers asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm employs both passive and active investment strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis, and provides customized managed accounts with features such as tax-loss harvesting and socially responsible investing options.

Everett Ferguson is a financial advisor at Financial Transparency with 28 years of industry experience. He holds the CFP® and Series 66 credentials and has worked at several firms including Envision Financial Transparency, CSSC Brokerage Services, and Condley Financial Services. Outside of his advisory work, Ferguson serves as elder and president of Hillcrest Church of Christ and is co-director of an annual medical mission to Zambia. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm uses Modern Portfolio Theory and the Efficient Market Hypothesis to construct portfolios, offering both passive and active strategies along with customized managed accounts.

Alfred Romano is a financial advisor with Financial Transparency, holding the PFS™ designation and Series 66 license, and has 26 years of industry experience. He has worked at Robert G. Stinson & Associates, P.C. since 2009 and has been involved with multiple financial services and trustee-related roles since 1999. Romano is also a principal providing trustee services and is a member of Clear Perspective Advisors, LLC. Financial Transparency offers asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm employs a fiduciary approach using Modern Portfolio Theory and the Efficient Market Hypothesis, providing both passive and active investment strategies along with customized managed accounts.

Steven Bankler is a financial advisor at Financial Transparency with over 25 years of industry experience. He holds the PFS™ designation and Series 66 license. Bankler has held roles at multiple firms, including founding Bankler Advisory Services, LLP and operating Steven Bankler, CPA, Ltd. Outside of advising, he serves as the US Region's International Representative on the board of the International Association of CPA Firms and is involved in several professional organizations related to accounting and business coaching. Financial Transparency provides ongoing asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm offers discretionary asset management through a range of programs, including passive and active models as well as customized managed accounts, and operates as a fiduciary using Modern Portfolio Theory and the Efficient Market Hypothesis.

Emily Keagle is a financial advisor with Financial Transparency in Greensboro, NC, holding a Series 66 designation and 24 years of industry experience. She has worked at Envision Financial Transparency, LLC since 2018 and previously held positions at CSSC Brokerage Services, Inc. and related entities from 2001 to 2018. Outside of advising, she is a co-manager of PROSCORE, LLC, a financial software development company. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm offers discretionary management programs with both passive and active strategies, including customized managed accounts, and operates as a fiduciary utilizing Modern Portfolio Theory and the Efficient Market Hypothesis in its investment approach.

Jonathon Wells is a financial advisor at Financial Transparency with 14 years of industry experience and holds the Series 66 designation. He has worked at Envision Financial Transparency, LLC since 2018 and previously held roles at Spartan Brewpub and Consulting Services Support Corporation. Outside of his advisory work, he provides consulting and development support for ProScore, LLC, a financial software company. Financial Transparency offers asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm operates as a fiduciary, using Modern Portfolio Theory and the Efficient Market Hypothesis to build portfolios that include both passive and active strategies, with features such as customized managed accounts and advisory oversight of held-away retirement accounts.

Joshua Keagle is a financial advisor at Financial Transparency with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Cogent Analytics and CSSC Investment Advisory Services. Keagle also serves as a Training Officer and Intelligence Officer in the US Navy Reserve. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm offers discretionary asset management programs and customized managed accounts, combining passive and active investment strategies guided by Modern Portfolio Theory and the Efficient Market Hypothesis.

James Nici is a financial advisor with Financial Transparency in Naples, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at Envision Financial Transparency, LLC since 2018 and concurrently operates NICI Law Firm P.L., where he provides trustee and registered agent services. Nici is also involved in developing intellectual property for estate planning through Strategic Planners Group, LLC, and participates in financial software development with ProScore, LLC. Financial Transparency serves individuals, retirement plans, businesses, and charitable organizations with asset management and financial planning. The firm uses a fiduciary approach based on Modern Portfolio Theory and the Efficient Market Hypothesis, offering both passive and active investment strategies alongside customized managed accounts and comprehensive financial consultation services.

Thomas Rogers is a financial advisor with Financial Transparency in Longwood, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has held roles at Envision Financial Transparency, Trustee Empowerment & Protection, Cssc Brokerage Services, and Wealth Strategies, and has been involved with Sweetwater Law Offices since 1981. Outside of his advisory work, he serves as president of Wealth Strategies Collaborative, Inc., a consulting firm working with clients and other professionals. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm operates as a fiduciary, offering discretionary asset management through passive and active models, customized managed accounts, and pension consulting, with a focus on Modern Portfolio Theory and the Efficient Market Hypothesis.

Daniel Doherty is a financial advisor with Financial Transparency in Peabody, MA, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. He has worked at Envision Financial Transparency since 2018 and previously held roles at CSSC Brokerage Services, CSSC Insurance Services, and Cssc Investment Advisory Services from 1999 to 2018. Outside of advising, Doherty is a shareholder at the law firm Maclean, Holloway, Doherty, Ardiff & Sheehan, P.C., where he practices law. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm offers discretionary management through passive and active models, customized accounts, and pension consulting, employing Modern Portfolio Theory and Efficient Market Hypothesis principles in its fiduciary investment approach.

Gina Valorz is a financial advisor with Financial Transparency in San Antonio, TX, holding the PFS™ designation and Series 66 license. She has 25 years of industry experience and has previously worked with Enlighten Finance LLC, CSSC Brokerage Services, Inc, and Steven Bankler, CPA, Ltd. Valorz is also a managing partner at Steven Bankler, CPA, Ltd, and is active in professional organizations including the AICPA and the San Antonio Hispanic Chamber of Commerce. Financial Transparency provides asset management and financial planning services to individuals, retirement plans, businesses, and charitable organizations. The firm operates as a fiduciary and employs both passive and active investment strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis, offering customized managed accounts and comprehensive advisory services.

Charles Gilligan is a Series 66-licensed advisor with Financial Transparency, bringing 23 years of industry experience. His background includes roles at Envision Financial Transparency, LLC, Cssc Brokerage Services, Inc., and CSSC Insurance Services, Inc., alongside over 20 years as a self-employed CPA. He also owns a consulting firm, Paragon Consulting Group, and provides personal tax preparation services. Financial Transparency offers asset management and financial planning to individuals, retirement plans, businesses, and charitable organizations, employing both passive and active investment strategies based on Modern Portfolio Theory and the Efficient Market Hypothesis. The firm’s services include discretionary asset management, customized managed accounts, and pension consulting, operating as a fiduciary with a multi-advisor structure and specialized held-away account processes.

Thomas Giardina is a financial advisor with Financial Transparency in Pittsfield, MA, holding a Series 66 designation and 24 years of industry experience. He has worked at Envision Financial Transparency, CSSC Brokerage Services, CSSC Insurance Services, and Trustee Empowerment & Protection, and has operated Giardina & Bressett since 1990. In addition to his advisory work, he serves as president of Giardina & Bressett, a CPA firm providing financial statement and income tax preparation services. Financial Transparency offers asset management and financial planning to individuals, retirement plans, businesses, and charitable organizations. The firm employs a fiduciary approach, utilizing Modern Portfolio Theory and the Efficient Market Hypothesis, and provides both passive and active investment strategies alongside customized managed accounts and pension consulting.