Nicholas Gardner is a CFP® with 15 years of industry experience, currently serving at The Financial Team, Inc. He has previously worked at Great Point Capital, LLC and Jrl Capital Corporation. In addition to his advisory role, Gardner is a licensed insurance agent engaged in insurance sales. The Financial Team, Inc. provides financial planning, consulting, and third-party investment management referral services to individuals, trusts, estates, small businesses, and retirement plans. The firm focuses on non-discretionary guidance and relies on referrals to outside managers who implement globally diversified portfolios primarily using ETFs and no-load mutual funds.

Maureen Verduyn is a CFP® with 34 years of industry experience, currently serving at The Financial Team, Inc. in Carlsbad, CA. She has worked with Great Point Capital, LLC, Jrl Capital Corporation, and Independent Financial Group prior to her ongoing tenure at The Financial Team, Inc. since 1998. Verduyn is also a licensed California insurance agent. The Financial Team, Inc. provides financial planning, consulting, and third-party investment management referral services to individuals, trusts, estates, small businesses, institutions, and retirement plans. The firm acts as a solicitor connecting clients with independent managers, delivering advisory services on a non-discretionary basis and supporting client onboarding and profile development.