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Kathie Day serves as president, CEO, and Senior Planner of The Enrichment Group™. She recently completed a three-year term as member of the National Board of Directors for the Financial Planning Association, the leadership and advocacy organization for those who provide, support, and benefit from professional financial planning. She remains active in the profession as a member of the Consumer Advisory Group. Kathie is a CERTIFIED FINANCIAL PLANNER™ practitioner and a Chartered Financial Analyst. Her areas of expertise include life planning, wealth management, estate planning, investment analysis, and portfolio management. She was awarded her Masters degree in Business Administration from Florida International University in 1981 and worked in corporate banking until 1987, when she left to form what is now The Enrichment Group™. Kathie is frequently quoted in the press, including The Wall Street Journal, USA Today, Money Magazine, The Miami Herald, Journal of Financial Planning, Investment Advisor, and Bloomberg Wealth Manager. She has appeared on local television and radio as a guest speaker and financial expert. She has been a guest lecturer for various local universities and professional associations, including the Financial Planning Association. Kathie has been listed in Who’s Who in Finance and Industry starting with the 1992 edition, and currently also appears in Who’s Who in America and Who’s Who in American Women. Kathie is a member of the Financial Planning Association, the CFA Institute, and the Sudden Money® Advisor Network, a network of advisors trained to work with clients who experience the particular issues related to a sudden change in their financial situation. Kathie has also served on the CFP Board of Practice Standards, a national board which sets the existing standards for financial planning practitioners. Kathie and husband Pat enjoy working together each day. They currently work from their mountain home in Colorado about six months of the year, and especially enjoy traveling, skiing, and visiting their children and grandchildren in Arizona and California.
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Pat serves as Vice President and COO of The Enrichment Group™. He is a Senior Planner whose areas of expertise include investment portfolio design and management, transition planning for executive career changes, education funding, risk management, and retirement planning. He has provided comprehensive financial planning services through The Enrichment Group™ since 1992. He has been an instructor of financial management for groups of interested investors and has presented numerous interactive workshops on personal financial management methods. In 1993, Pat founded PlanVest Financial Services, Inc., an affiliated firm of Kathleen Day & Associates. He served as PlanVest's president through 2001, when the firm merged with The Enrichment Group™. Pat has extensive experience assisting corporate employees who have been downsized or are in other career transitions, and also provides investment management expertise for corporate pension plans. Prior to 1993, Pat served as manager and corporate department head of a major Florida electric utility company, where he was responsible for corporate level policy and budgetary decision. He holds a BS degree from the University of Florida. Pat is an NASD Licensed General Securities Registered Representative through Westminster Financial Securities, Inc., a Florida licensed life, health and variable annuity sales representative, and an active member of the Financial Planning Association.
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May is a CERTIFIED FINANCIAL PLANNER™ practitioner, specializing in investment management, retirement planning, tax planning, and estate planning. She has particular expertise in mutual fund selection, asset allocation, portfolio rebalancing and tax strategies. She joined The Enrichment Group™ in 1992 and currently serves on the firm’s Investment Committee. A world resident, May was born in Canada, raised in Hong Kong by her grandparents, and married in Miami. She is bilingual in English and Cantonese. May graduated from York University in Toronto with a BA degree in Business Administration. She has over 17 years of experience in accounting with local and national real estate investment and management firms. May is a member of the Financial Planning Association, and is an NASD Licensed General Securities Representative through Westminster Financial Securities. She holds a Florida life, health, and variable annuity insurance license, and is also a licensed real estate salesperson and a member of the Realtors’ Association of Greater Miami and the Beaches. May has been interviewed by Mutual Funds Magazine, The Miami Herald, and WnetTV's Financial News program. An active volunteer, May teaches Sunday school and is a frequent speaker for financial workshops at her church. She is currently involved with CBS4 Neighbors 4 Neighbors-4 Your Money, where she answers financial questions posed by viewers.
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Carol is a CERTIFIED FINANCIAL PLANNER™ practitioner who comes to The Enrichment Group™ with many years of experience in financial services. Originally from New England, Carol graduated from the University of Massachusetts with her BA in sociology in 1978. She returned to college the following year to study accounting. Carol worked for the next 16 years in the banking industry as Controller of Bridgewater Savings Bank and Medway Savings Bank. In 1992 she received a certificate from the National School of Banking at Fairfield University, a graduate level program that provides an in-depth study of today’s community banking industry. After moving to Miami, Carol began working at The Enrichment Group™ in 1998 as an assistant to Kathie Day. She has had several functions at the company, working first as an administrative assistant, then as technical support, and most recently as staff planner and Investment Committee member. Carol is an active member of the Everglades Bicycle Club and enjoys riding in tandem with her husband around South Florida on most weekends. They have bicycled in many parts of the United States and Europe together, as well as separately on conventional bicycles. Carol’s experience on the bicycle has taught her the merits of working as a team. When you spend all that time in the saddle with your mate, you have to learn to work together and solve problems together. You also go through lots of adversity in bad weather and tough terrains. After many hundreds of miles of that kind of riding, you learn to manage difficulties as well as the fun times. This spills over into all facets of life, and Carol attributes her “can do” attitude at work to her outside hobby of cycling.
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Debbie is a CERTIFIED FINANCIAL PLANNER™ practitioner and CPA/PFS (Certified Public Accountant/Personal Financial Specialist). She joined The Enrichment Group™ in 2004 as a staff planner, with expertise in the field of taxation. In addition to her extensive planning duties, Debbie serves on the Investment Committee and composes the firm’s “Quarterly Newsletter.” Debbie, a native Miamian, graduated from Southwest Miami Senior High School (Valedictorian/Class of 1970) and from the University of Florida (High Honors/1973) with a B.A. in English and a minor in secondary education. Following graduation, she taught English in Homestead Junior High School’s “STRIVE Program,” an interdisciplinary curriculum (which she co-created and developed) for accelerated, highly motivated students. After six years of teaching, Debbie became a student once again and earned her MSM (Masters of Science in Management, with emphasis in Taxation) from Florida International University in 1982. In 1983 she became a CPA. Debbie returned to the classroom in 2003, completing the University of Miami’s Personal Financial Planning Certificate Program two years later. In 2006, she became a CFP® professional and added the PFS designation to her list of planning-related credentials. (PFS is a specialist's designation available only to CPAs who have at least three years of experience in planning and who have passed a comprehensive and rigorous personal financial planning exam.) Debbie is currently a member of the American Institute of Certified Public Accountants, the Florida Institute of Certified Public Accountants, and the Financial Planning Association. Debbie has two accomplished and delightful children: Kimberly, now a student at the University of Miami School of Law; and Eric, a talented pianist, guitarist, and composer. In addition to being an active parent/volunteer during Kimberly’s and Eric’s elementary and high school years, Debbie has been an active, long-time member of Temple Beth Am. She has served on the Temple Beth Am Board of Directors; was “instrumental” in creating and chairing the Shir Chadash Jewish Music Committee and Concert Series; and has lent her organizational and computer graphic design skills to innumerable projects and charitable fundraisers. Her family was honored as Temple Beth Am’s “Family of the Year” in 1998, and Debbie received the prestigious “Harry Gunther Service Award” in 2001. In her “spare time” Debbie enjoys “hanging out” with family and friends and making computer-based novelties and designs that “create smiles!” She considers herself quite fortunate to be a member of The Enrichment Group™ team and to have the opportunity to use the diverse skills she has acquired and honed over the years to help others achieve their life goals.
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Jerad Waggy joined The Enrichment Group™ in July 2006 as a financial planning intern. In December 2006, Jerad graduated from Texas Tech University’s highly regarded Personal Financial Planning Program (with a BS degree in Personal Financial Planning) and accepted a full time position at The Enrichment Group™. Since moving to Miami, Jerad has become very active in his profession. At The Enrichment Group™, he works with individual planners and support staff, attends investment meetings, takes part in client review meetings, participates in training sessions and planning conferences, and is developing an expertise with our financial planning and reporting software system. Jerad is also actively involved in the Miami-Dade Financial Planning Association and NexGen. (NexGen is an organization of young financial planners that share common goals and values. It provides a forum where young professionals can grow and learn from one another. NexGen’s focus is to produce the future leaders of the financial planning profession.) In his spare time, Jared enjoys being with family and friends. He participates in many outdoor activities and especially likes fresh and salt water fishing, volleyball, tennis and golf. Jerad is also very active with Fellowship Church and involved in many community-related activities.
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PETER LOWDEN serves as Chief Investment Officer of The Enrichment Group. He holds the Chartered Financial Analyst (CFA) designation from the CFA Institute, and his area of expertise is investment research, risk mitigation and portfolio management. Peter‘s twenty-two year investment career has included research, analysis, and management of stocks, bonds, commodities, exchange traded funds, hedge funds and fund of funds, and mutual funds. Peter spent seven years as Vice President of Investments for a Reno, Nevada based comprehensive financial planning firm, managing portfolios and working with financial planners to educate clients and communicate investment strategies. Peter co-managed a commodity oriented fund of funds, and later created and managed the Alternative Strategies Fund at Ascentia Capital, where he was the Chief Investment Officer. This multi-strategy, alternative mutual fund made use of Peter’s experiences with traditional and alternative investments, as well as his background in both directly managing capital and allocating capital to outside mangers. Peter and his team identified the strategies for the fund, selected the managers, and actively allocated capital to them. He ran the Global Macro and Hedge Overlay investment strategies, which was designed, before the 2008 market crash, to dynamically manage the fund’s overall market exposure. These strategies were successful in moderating downside volatility during the turbulent 2008 – 2009 markets. Outside of the office, Peter enjoys spending time with family and playing tennis, beach tennis, kite boarding, fishing and skiing.
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