Kari Howland

John Swaine is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include positions at Raymond James Financial Services and managing member roles in multiple LLCs. Outside of advising, he serves part-time as a police officer with the Sebring Police Department. Second Half Financial Partners provides discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation and manages approximately $364 million for over 1,100 clients.

Victor Divietro is a financial advisor with Waypoints Financial in Sebring, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Waypoints Financial since 2009 and previously spent six years with Wfg Investments Inc. Outside of advising, he manages two commercial real estate entities related to office space and property holdings. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, employing fundamental, technical, and cyclical analysis with a range of strategies including borrowing and margin use, and sponsors its own wrap fee program.

George Leidel Jr. is a financial advisor with Second Half Financial Partners, LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His background includes roles at Heartland Tax and Accounting, LLC, Leidel Capital, Inc., and Raymond James Financial. Outside of advising, he serves as president or managing member of several holding companies and is involved in tax preparation and IRS representation through Platinum Financial Partners, LLC. Second Half Financial Partners provides discretionary investment management and financial consulting primarily to individuals, small businesses, trusts, and foundations, with a focus on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios using asset and tactical allocation strategies and manages an elevated client load across its team of five advisors.

Thomas Crutchfield is a financial advisor at Waypoints Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at WFG Investments Inc. from 2011 to 2017 before joining Waypoints Financial in 2009. Outside of advising, he serves on the board of Crutchfield Groves, Inc., a holding company for owner-financed properties. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, using fundamental, technical, and cyclical analysis with a range of strategies, including long- and short-term equity positions and margin borrowing.

John Clark is a CFP® with 34 years of industry experience and is currently a financial advisor at Waypoints Financial in Sebring, FL. He previously worked at Wfg Investments Inc from 2011 to 2017. Outside of his advisory role, Clark owns and operates a cattle ranch in Sebring, Florida. Waypoints Financial is an SEC-registered investment adviser serving individuals, trusts, estates, charitable organizations, banks, and business entities. The firm offers discretionary portfolio management and standalone financial planning, utilizing fundamental, technical, and cyclical analysis and employing a range of strategies including the use of borrowing and margin where appropriate.

Phillip Statler is a financial advisor at Second Half Financial Partners, LLC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at his own firms and tax service companies since 1998. Statler also serves as president of SFS Tax Services, Inc., providing income tax preparation services. Second Half Financial Partners offers discretionary investment management and financial consulting to individuals, small businesses, trusts, and foundations, focusing on first responders, business owners, and clients planning for or in retirement. The firm constructs diversified, long-term portfolios primarily using index ETFs, dividend-paying stocks, and bonds, and manages approximately $364 million across more than 1,100 clients.